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Operational efficiencies resulting from management interventions over several years, in terms of improved cost management, better quality of new business, more focused premium collection and more competitive investment performance in particular, are largely responsible for this incremental value-add for stakeholders,

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Opportunity is missed by most people because it is dressed in overalls, and looks like work by Thomas Edison
It is never too late to be what you might have been by George Eliot
The only way to begin is to stop talking and start doing by Walt Disney
Optimistic people see opportunity in every difficulty, whereas pessimist only sees the difficulty in every opportunity by Winston Churchill

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