This issue includes:

• Gaining insight on policyholder behaviour risk
  by Tatyana Egoshina, Robert Bugg
• A new perspective on risk culture
  by Elliot Varnell, Neil Cantle
• Setting and monitoring risk appetites
  by Matthew Cocke, Fred Vosvenieks
• Living with Solvency II: An economic capital perspective from recent history
  by Russell Ward, Matthew Cocke, Russell Osman, William Coatesworth
• Regulatory updates: Mandatory central clearing closer to becoming a reality
  by Neil Dissanayake, Peter Lin