The current economicrecession that has gripped the world hasarrived with considerable ferocity, and thereseems little debate that the banking liquiditycrisis has demanded prompt and decisiveaction from states and internationalinstitutions alike. The question confrontingmany policy makers and...

CII Introduction: Our previous thinkpiece by Mick McAteer described how the transfer of risk from the state to the individual is failing. Protection is one area where this problem persists: state income support is rolling back and private protection insurance is simply not alleviating the gap,...