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CONFIDENTIAL AND PERSONAL

is sufficiently open and liquid that companies are able to adjust their holdings easily and quickly if they wish in the face of adverse developments. And all UK life insurers are required to meet a so called "resilience" test which means that they can accommodate a 25% fall in the UK stock market (let alone the Hong Kong one) without calling into question their ability to cover their liabilities to policy holders.

Yours sincerely,

John Headway

RJ MEADWAY

CC

Nigel Whitney Esq Lee Dobney Esq MD Pentecost Esq Stephen Wood Esq

HKD FCO

Bank of England ECGD

Treasury

Peter Sedgwick Esq Paul McIntyre Esq

Treasury

Treasury

Encls.

CONFIDENTIAL AND PERSONAL

dti

the department for Enterprise

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