Open-access content Thursday 12th January 2012 — updated 5.13pm, Wednesday 29th April 2020 Read all articles from The Actuary in December 2011, plus view a digital edition File 58755_1.pdf Digital edition Read the December 2011 issue of The Actuary magazine All articles - print and online News Features Opinion Find digital editions and all articles from: other months in 2011 other years Filed in 2011 You might also like... View the discussion thread.