''Millions of policyholders may lose out after it emerged that the Financial Services Authority (FSA) is backing insurers’ plans to use some of a £16 billion industry surplus to support their business, rather than to pay cash windfalls''
http://business.timesonline.co.uk/to...cle3048896.ece
http://business.timesonline.co.uk/to...cle3048896.ece