As this is the first issue of 2013, our focus section looks ahead at both the quantitative measures and the influence of legislative measures initiated during 2012. The aftermath of M&A activity of 2012 changed the face of insurance in Malaysia, this impacts the strategies of the newly structured insurers this year. Additionally, a number of the knowledge and talent development initiatives will start bearing fruits at a fundamental level. These include the competency framework and the work of the knowledge management taskforce. So, looking beyond the hard numbers, 2013 could well be a landmark year.