Customer and intermediary satisfaction is also monitored using a number of annual surveys, e.g. the customer monitor, the YouGov tied agents’ survey and the HEUTE UND MORGEN commercial insurance customer check, as well as the “KUBUS” studies (“Kundenorientiertes Benchmarking von Prozessen für die Unternehmens-Steuerung” – Customer-oriented Benchmarking of Corporate Management Processes) conducted by MSR.