Description: Welcome back to all our readers for our first edition of 2023. Our Stars of the Future take centre stage in the magazine this month. We would like to congratulate our overall winner Garima Singhal who is featured on our front cover and to our runners up Robin Kee and Shanu Ghai. 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 more, 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 Pardeep Bassi from WTW looking at what’s next for data science and the future of insurance. Our regular authors also give their insights as usual including Dale Critchley looking at how inflation is reshaping retirement plans. We trust you enjoy this special edition of the magazine and look forward to welcoming you back next month.