The tide is turning

At 08:24am on 7 September last year, the tide had just turned at Brightlingsea in Essex. It probably went unnoticed by most. But it turned none the less and as it ebbed into the North Sea, unstoppable changes along the coastline took place – a charge of change with which sailors and fisherman must deal to succeed.

About this time, another tide turned, equally unnoticed. This tide however was in the minds of some men and women in insurance – but not all. It was a tide of awareness that the