Description: Welcome back to all our readers for our penultimate edition of 2023. Our Stars of the Future take centre stage in the magazine this month. We would like to congratulate our overall winner Lauren Millar from ISIO who is featured on our front cover and to our runners up Taylor Howard from Just group and Claudia Hamilton-Dean from Aon. A huge vote of thanks must go to our sponsors Star Actuarial Futures who continue to support this ever-popular award. We have placed all the other nominees in alphabetical order as the competition was so close once again this year. We would like to thank everyone for voting in what turned out to be, once again, the largest number of votes cast across the board since we started our Stars of the Future Awards. In an extremely packed magazine we have Sam Marsh from LexisNexis Risk looking at how greater context from claims can improve the customer experience. Our regular authors also give their insights as usual including Dale Critchley looking at how the pensions industry could see significant changes in 2024. We trust you enjoy this special edition of the magazine and look forward to welcoming you back next month.