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The proverbial... Flatish Get insured… Is self-insurance an option for group risk schemes? Surrender of policies - look at alternatives Caught in the Act Can the underwriting process be improved? Impact of HIV/AIDS on absenteeism Beware of “invitations” to criminals First Rand up The boom continues Two in a row… New stuff… Get what you pay for As good as it gets DG candidate withdraws after delays So what? Progress Nudged firmer Outlook for equities positive Turnaround... In line... A lack of interest? Choices… Looking good Tides? Plan properly A rampant rand Q4 Currencies Another choice Green light Phone home... Something new SA retirement fund industry healthy - FSB So what? No burst bubble Reshuffle Be careful USA suprises Busted New player Good morning A good thing Outsource Options... Looking good New man on the block Watch that risk London last week…