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Many of the ideas that appear in this book have been amassed whilst working in the insurance and technology industries for over 30 years. My thanks are therefore to all those who contributed directly and indirectly, and sometimes unknowingly, to all my experiences and learning over that time, leading to this book being created.

In particular, I want to thank Terry Clark and Stuart Hodgson at Robins who gave me the foundations of insurance, Garry Stone and Stuart Murray who both started me on the analytic path and Francesca Breeze who gave me the confidence to write.

In addition, I would like to thank all those who helped me on my journey in the technology sector, provided essential comradeship and shared their insights into industry trends. These especially include Craig Bedell, Owen Kimber and Vivian Braun at IBM, but there are many more there who have played an important part and to whom I owe a debt of gratitude.

Throughout my career I have depended on professional institutions to provide me with a window into their industries and professions. To that extent I would like to thank the Institute of Civil Engineers, the Chartered Institute of Marketing, the Chartered Institute of Loss Adjusters (these three institutes awarded me with Fellowship status), the Chartered Institute of Supply and Procurement, and last but not least, the Chartered Insurance Institute.

Many thanks to all those at Wiley who provided comments, suggestions and guidance, especially Thomas Hykiel. I first met Thomas at a conference in Amsterdam and I am extremely grateful to him for helping turn an idea into reality.

Last but not least I have my family in the UK, Chile and China to remember. Michelle for her support, patience and belief in my ability to finish this task. Chris for his unflagging support and for introducing me to new markets and cultures. Tim for his constructive suggestions when I started to run out of steam. And Ginette for always being in touch and keeping my feet on the ground.