Acknowledgements

We would like to express our thanks and appreciation to the many people from around the world who have made this second edition possible through the provision of editorial material, case studies, vignettes, data and illustrations and encouragement.

Will Adler

Munich Reinsurance

Mike Ashurst

International Co-operative and Mutual Insurers Federation

Carmen Barbosa

Tajy, Paraguay

Charles Beighton

NFU Mutual

Chris Black

FMG, New Zealand

Liudmila Bondarenko

Tsaritsa, Russian Federation

Andrew Buffrey

Direct Marketing Association

David Burns

NMG

Swee Hoon Chuah

Nottingham University Business School

Barry Clark

Future Foundation

Adrian Coles

Building Societies Association

Richard Crisp

Experian

Jim Devlin

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