This issue includes:

• Milliman dynamic policyholder behavior survey 2009
  by Jeremy Kent
• Solvency II: The story so far
  by Oliver Gillespie, Robert Bugg
• Real-time capital management and the Solvency II 'Use Test'
  by Gary Finkelstein, Neil Dissanayake
• A holistic framework for life cycle financial planning
  by Joshua Corrigan
• TAS: Are you ready?
  by Matthew Cocke, Philip Simpson
• Saudi insurance: A mushrooming market
  by Safder Jaffer
• Avoiding oversimplification in risk analysis
  by Neil Cantle, Oliver Gillespie
• A boost for longevity risk transfers
  by Robert Bugg, Farzana Ismail, Emma McWilliam
• 2009 Variable annuity market roundup
  by Gary Finkelstein, Peter Lin