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Market conditions remain unfavourable despite government commitments
UK volumes are improving following difficult trading conditions
The leverage ratio is set to creep up by the end of the year
Order intake has been broadly flat over the past couple of years
Underwriters have adequately repriced risk after the pandemic-linked lag
Margins are heading in the right direction
Positive metrics accelerated through the second quarter
The highly publicised fall-away in overseas student visa applications is something of a red herring
Order books flat, but long-term drivers still in place
Self-help measures are the order of the day
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