If we project further into the future, I think that the outlook for insurance and asset management is very attractive: there is no real alternative to the services Talking about corporate responsibility instead of sustainable development is a way of tying these initiatives in with the very foundations of our business. that we offer; we have natural growth pipelines in our “old” countries such as the consequences of demographic aging, limits to the Welfare State and new needs in the realm of quality of life; and emerging markets are sources of both present and future growth.