Self-appraisal: Hector Sants, FSA

Has the past year been good/bad/satisfactory or otherwise for you, and why?

On the whole, the past year has been pretty poor by anyone's standards, but in terms of general insurance (GI) it's been generally satisfactory. Necessarily, due to the 'snout in trough-like behaviour' of the banking sector, my attentions have not been focused on GI. But that doesn't mean we've taken our eye off that lot. They've been pretty well behaved but as I warned earlier this year, we're going to get tough at the

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