The process has shown that our policies, initiatives and management systems are in place in relation to the relevant areas, e.g. } Investment of insurance reserves and pension customers’ savings, where procedures and policies are in place — see page } Supplier chain, where a CSR programme is established — see page 39 } Customer relations and the right to privacy, e.g. Topdanmark has clear guidelines for how claims are investigated if insurance fraud is suspected } Employee relations, where there is a wide range of HR policies and a management system which meet the challenges of and the problems arising from stress, lack of employee satisfaction etc. — see page 34.