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mso-style-link:"Heading 1";
font-family:"Cambria","serif";
color:#365F91;
font-weight:bold;}
span.Heading2Char
{mso-style-name:"Heading 2 Char";
mso-style-priority:9;
mso-style-link:"Heading 2";
font-family:"Cambria","serif";
color:#4F81BD;
font-weight:bold;}
span.Heading3Char
{mso-style-name:"Heading 3 Char";
mso-style-priority:9;
mso-style-link:"Heading 3";
font-family:"Cambria","serif";
color:#4F81BD;
font-weight:bold;}
span.Heading4Char
{mso-style-name:"Heading 4 Char";
mso-style-priority:9;
mso-style-link:"Heading 4";
font-family:"Cambria","serif";
color:#4F81BD;
font-weight:bold;
font-style:italic;}
span.Heading5Char
{mso-style-name:"Heading 5 Char";
mso-style-priority:9;
mso-style-link:"Heading 5";
font-family:"Cambria","serif";
color:#243F60;}
span.Heading6Char
{mso-style-name:"Heading 6 Char";
mso-style-priority:9;
mso-style-link:"Heading 6";
font-family:"Cambria","serif";
color:#243F60;
font-style:italic;}
span.Heading7Char
{mso-style-name:"Heading 7 Char";
mso-style-priority:9;
mso-style-link:"Heading 7";
font-family:"Cambria","serif";
color:#404040;
font-style:italic;}
span.Heading8Char
{mso-style-name:"Heading 8 Char";
mso-style-priority:9;
mso-style-link:"Heading 8";
font-family:"Cambria","serif";
color:#404040;}
span.Heading9Char
{mso-style-name:"Heading 9 Char";
mso-style-priority:9;
mso-style-link:"Heading 9";
font-family:"Cambria","serif";
color:#404040;
font-style:italic;}
span.FootnoteTextChar
{mso-style-name:"Footnote Text Char";
mso-style-priority:99;
mso-style-link:"Footnote Text";
font-family:"Arial","sans-serif";}
span.CommentTextChar
{mso-style-name:"Comment Text Char";
mso-style-priority:99;
mso-style-link:"Comment Text";
font-family:"Arial","sans-serif";}
span.HeaderChar
{mso-style-name:"Header Char";
mso-style-priority:99;
mso-style-link:Header;
font-family:"Arial","sans-serif";}
span.FooterChar
{mso-style-name:"Footer Char";
mso-style-priority:99;
mso-style-link:Footer;
font-family:"Arial","sans-serif";}
span.EndnoteTextChar
{mso-style-name:"Endnote Text Char";
mso-style-priority:99;
mso-style-link:"Endnote Text";
font-family:"Arial","sans-serif";}
span.TitleChar
{mso-style-name:"Title Char";
mso-style-priority:10;
mso-style-link:Title;
font-family:"Cambria","serif";
color:#17365D;
letter-spacing:.25pt;}
span.ClosingChar
{mso-style-name:"Closing Char";
mso-style-priority:99;
mso-style-link:Closing;
font-family:"Arial","sans-serif";}
span.BodyTextChar
{mso-style-name:"Body Text Char";
mso-style-priority:99;
mso-style-link:"Body Text";
font-family:"Arial","sans-serif";}
span.BodyTextIndentChar
{mso-style-name:"Body Text Indent Char";
mso-style-priority:99;
mso-style-link:"Body Text Indent";
font-family:"Arial","sans-serif";}
span.SubtitleChar
{mso-style-name:"Subtitle Char";
mso-style-priority:11;
mso-style-link:Subtitle;
font-family:"Cambria","serif";
color:#4F81BD;
letter-spacing:.75pt;
font-style:italic;}
span.DateChar
{mso-style-name:"Date Char";
mso-style-priority:99;
mso-style-link:Date;
font-family:"Arial","sans-serif";}
span.BodyTextFirstIndentChar
{mso-style-name:"Body Text First Indent Char";
mso-style-priority:99;
mso-style-link:"Body Text First Indent";
font-family:"Arial","sans-serif";}
span.BodyTextFirstIndent2Char
{mso-style-name:"Body Text First Indent 2 Char";
mso-style-priority:99;
mso-style-link:"Body Text First Indent 2";
font-family:"Arial","sans-serif";}
span.BodyText2Char
{mso-style-name:"Body Text 2 Char";
mso-style-priority:99;
mso-style-link:"Body Text 2";
font-family:"Arial","sans-serif";}
span.BodyText3Char
{mso-style-name:"Body Text 3 Char";
mso-style-priority:99;
mso-style-link:"Body Text 3";
font-family:"Arial","sans-serif";}
span.BodyTextIndent2Char
{mso-style-name:"Body Text Indent 2 Char";
mso-style-priority:99;
mso-style-link:"Body Text Indent 2";
font-family:"Arial","sans-serif";}
span.BodyTextIndent3Char
{mso-style-name:"Body Text Indent 3 Char";
mso-style-priority:99;
mso-style-link:"Body Text Indent 3";
font-family:"Arial","sans-serif";}
span.DocumentMapChar
{mso-style-name:"Document Map Char";
mso-style-priority:99;
mso-style-link:"Document Map";
font-family:"Tahoma","sans-serif";}
span.E-mailSignatureChar
{mso-style-name:"E-mail Signature Char";
mso-style-priority:99;
mso-style-link:"E-mail Signature";
font-family:"Arial","sans-serif";}
span.CommentSubjectChar
{mso-style-name:"Comment Subject Char";
mso-style-priority:99;
mso-style-link:"Comment Subject";
font-family:"Arial","sans-serif";
font-weight:bold;}
span.BalloonTextChar
{mso-style-name:"Balloon Text Char";
mso-style-priority:99;
mso-style-link:"Balloon Text";
font-family:"Tahoma","sans-serif";}
span.QuoteChar
{mso-style-name:"Quote Char";
mso-style-priority:29;
mso-style-link:Quote;
font-family:"Arial","sans-serif";
color:black;
font-style:italic;}
span.IntenseQuoteChar
{mso-style-name:"Intense Quote Char";
mso-style-priority:30;
mso-style-link:"Intense Quote";
font-family:"Arial","sans-serif";
color:#4F81BD;
font-weight:bold;
font-style:italic;}
p.Funotentext, li.Funotentext, div.Funotentext
{mso-style-name:Fußnotentext;
mso-style-link:"Fußnotentext Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.FunotentextZchn
{mso-style-name:"Fußnotentext Zchn";
mso-style-priority:99;
mso-style-link:Fußnotentext;}
p.berschrift1, li.berschrift1, div.berschrift1
{mso-style-name:"Überschrift 1";
mso-style-link:"Überschrift 1 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.berschrift1Zchn
{mso-style-name:"Überschrift 1 Zchn";
mso-style-priority:9;
mso-style-link:"Überschrift 1";
font-family:"Arial","sans-serif";
font-weight:bold;}
p.Titel, li.Titel, div.Titel
{mso-style-name:Titel;
mso-style-link:"Titel Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.TitelZchn
{mso-style-name:"Titel Zchn";
mso-style-priority:10;
mso-style-link:Titel;
font-family:"Arial","sans-serif";
letter-spacing:.25pt;
font-weight:bold;}
p.Untertitel, li.Untertitel, div.Untertitel
{mso-style-name:Untertitel;
mso-style-link:"Untertitel Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.UntertitelZchn
{mso-style-name:"Untertitel Zchn";
mso-style-priority:11;
mso-style-link:Untertitel;
font-family:"Arial","sans-serif";}
p.berschrift2, li.berschrift2, div.berschrift2
{mso-style-name:"Überschrift 2";
mso-style-link:"Überschrift 2 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.berschrift2Zchn
{mso-style-name:"Überschrift 2 Zchn";
mso-style-priority:9;
mso-style-link:"Überschrift 2";
font-family:"Arial","sans-serif";}
p.berschrift3, li.berschrift3, div.berschrift3
{mso-style-name:"Überschrift 3";
mso-style-link:"Überschrift 3 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.berschrift3Zchn
{mso-style-name:"Überschrift 3 Zchn";
mso-style-priority:9;
mso-style-link:"Überschrift 3";
font-family:"Arial","sans-serif";
color:black;
font-weight:bold;}
p.Sprechblasentext, li.Sprechblasentext, div.Sprechblasentext
{mso-style-name:Sprechblasentext;
mso-style-link:"Sprechblasentext Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.SprechblasentextZchn
{mso-style-name:"Sprechblasentext Zchn";
mso-style-priority:99;
mso-style-link:Sprechblasentext;
font-family:"Tahoma","sans-serif";}
p.berschrift4, li.berschrift4, div.berschrift4
{mso-style-name:"Überschrift 4";
mso-style-link:"Überschrift 4 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.berschrift4Zchn
{mso-style-name:"Überschrift 4 Zchn";
mso-style-priority:9;
mso-style-link:"Überschrift 4";
font-family:"Arial","sans-serif";}
p.berschrift5, li.berschrift5, div.berschrift5
{mso-style-name:"Überschrift 5";
mso-style-link:"Überschrift 5 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.berschrift5Zchn
{mso-style-name:"Überschrift 5 Zchn";
mso-style-priority:9;
mso-style-link:"Überschrift 5";
font-family:"Arial","sans-serif";
color:black;
font-weight:bold;}
p.Kopfzeile, li.Kopfzeile, div.Kopfzeile
{mso-style-name:Kopfzeile;
mso-style-link:"Kopfzeile Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.KopfzeileZchn
{mso-style-name:"Kopfzeile Zchn";
mso-style-priority:99;
mso-style-link:Kopfzeile;}
p.Fuzeile, li.Fuzeile, div.Fuzeile
{mso-style-name:Fußzeile;
mso-style-link:"Fußzeile Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.FuzeileZchn
{mso-style-name:"Fußzeile Zchn";
mso-style-priority:99;
mso-style-link:Fußzeile;}
p.berschrift6, li.berschrift6, div.berschrift6
{mso-style-name:"Überschrift 6";
mso-style-link:"Überschrift 6 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.berschrift6Zchn
{mso-style-name:"Überschrift 6 Zchn";
mso-style-priority:9;
mso-style-link:"Überschrift 6";
font-family:"Arial","sans-serif";}
p.berschrift7, li.berschrift7, div.berschrift7
{mso-style-name:"Überschrift 7";
mso-style-link:"Überschrift 7 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.berschrift7Zchn
{mso-style-name:"Überschrift 7 Zchn";
mso-style-priority:9;
mso-style-link:"Überschrift 7";
font-family:"Arial","sans-serif";
color:black;
font-weight:bold;
font-style:italic;}
p.berschrift8, li.berschrift8, div.berschrift8
{mso-style-name:"Überschrift 8";
mso-style-link:"Überschrift 8 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.berschrift8Zchn
{mso-style-name:"Überschrift 8 Zchn";
mso-style-priority:9;
mso-style-link:"Überschrift 8";
font-family:"Arial","sans-serif";
font-style:italic;}
p.berschrift9, li.berschrift9, div.berschrift9
{mso-style-name:"Überschrift 9";
mso-style-link:"Überschrift 9 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.berschrift9Zchn
{mso-style-name:"Überschrift 9 Zchn";
mso-style-priority:9;
mso-style-link:"Überschrift 9";
font-family:"Arial","sans-serif";
color:#4D4E53;}
p.Anfhrungszeichen, li.Anfhrungszeichen, div.Anfhrungszeichen
{mso-style-name:Anführungszeichen;
mso-style-link:"Anführungszeichen Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.AnfhrungszeichenZchn
{mso-style-name:"Anführungszeichen Zchn";
mso-style-priority:29;
mso-style-link:Anführungszeichen;
color:black;
font-style:italic;}
p.IntensivesAnfhrungszeichen, li.IntensivesAnfhrungszeichen, div.IntensivesAnfhrungszeichen
{mso-style-name:"Intensives Anführungszeichen";
mso-style-link:"Intensives Anführungszeichen Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.IntensivesAnfhrungszeichenZchn
{mso-style-name:"Intensives Anführungszeichen Zchn";
mso-style-priority:30;
mso-style-link:"Intensives Anführungszeichen";
color:#34909C;
font-weight:bold;
font-style:italic;}
p.Textkrper, li.Textkrper, div.Textkrper
{mso-style-name:Textkörper;
mso-style-link:"Textkörper Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.TextkrperZchn
{mso-style-name:"Textkörper Zchn";
mso-style-priority:99;
mso-style-link:Textkörper;}
p.Textkrper2, li.Textkrper2, div.Textkrper2
{mso-style-name:"Textkörper 2";
mso-style-link:"Textkörper 2 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.Textkrper2Zchn
{mso-style-name:"Textkörper 2 Zchn";
mso-style-priority:99;
mso-style-link:"Textkörper 2";}
p.Textkrper3, li.Textkrper3, div.Textkrper3
{mso-style-name:"Textkörper 3";
mso-style-link:"Textkörper 3 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.Textkrper3Zchn
{mso-style-name:"Textkörper 3 Zchn";
mso-style-priority:99;
mso-style-link:"Textkörper 3";}
p.Textkrper-Erstzeileneinzug, li.Textkrper-Erstzeileneinzug, div.Textkrper-Erstzeileneinzug
{mso-style-name:Textkörper-Erstzeileneinzug;
mso-style-link:"Textkörper-Erstzeileneinzug Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.Textkrper-ErstzeileneinzugZchn
{mso-style-name:"Textkörper-Erstzeileneinzug Zchn";
mso-style-priority:99;
mso-style-link:Textkörper-Erstzeileneinzug;}
p.Textkrper-Zeileneinzug, li.Textkrper-Zeileneinzug, div.Textkrper-Zeileneinzug
{mso-style-name:Textkörper-Zeileneinzug;
mso-style-link:"Textkörper-Zeileneinzug Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.Textkrper-ZeileneinzugZchn
{mso-style-name:"Textkörper-Zeileneinzug Zchn";
mso-style-priority:99;
mso-style-link:Textkörper-Zeileneinzug;}
p.Textkrper-Erstzeileneinzug2, li.Textkrper-Erstzeileneinzug2, div.Textkrper-Erstzeileneinzug2
{mso-style-name:"Textkörper-Erstzeileneinzug 2";
mso-style-link:"Textkörper-Erstzeileneinzug 2 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.Textkrper-Erstzeileneinzug2Zchn
{mso-style-name:"Textkörper-Erstzeileneinzug 2 Zchn";
mso-style-priority:99;
mso-style-link:"Textkörper-Erstzeileneinzug 2";}
p.Textkrper-Einzug2, li.Textkrper-Einzug2, div.Textkrper-Einzug2
{mso-style-name:"Textkörper-Einzug 2";
mso-style-link:"Textkörper-Einzug 2 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.Textkrper-Einzug2Zchn
{mso-style-name:"Textkörper-Einzug 2 Zchn";
mso-style-priority:99;
mso-style-link:"Textkörper-Einzug 2";}
p.Textkrper-Einzug3, li.Textkrper-Einzug3, div.Textkrper-Einzug3
{mso-style-name:"Textkörper-Einzug 3";
mso-style-link:"Textkörper-Einzug 3 Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.Textkrper-Einzug3Zchn
{mso-style-name:"Textkörper-Einzug 3 Zchn";
mso-style-priority:99;
mso-style-link:"Textkörper-Einzug 3";}
p.Gruformel, li.Gruformel, div.Gruformel
{mso-style-name:Grußformel;
mso-style-link:"Grußformel Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.GruformelZchn
{mso-style-name:"Grußformel Zchn";
mso-style-priority:99;
mso-style-link:Grußformel;}
p.Kommentartext, li.Kommentartext, div.Kommentartext
{mso-style-name:Kommentartext;
mso-style-link:"Kommentartext Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.KommentartextZchn
{mso-style-name:"Kommentartext Zchn";
mso-style-priority:99;
mso-style-link:Kommentartext;}
p.Kommentarthema, li.Kommentarthema, div.Kommentarthema
{mso-style-name:Kommentarthema;
mso-style-link:"Kommentarthema Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.KommentarthemaZchn
{mso-style-name:"Kommentarthema Zchn";
mso-style-priority:99;
mso-style-link:Kommentarthema;
font-weight:bold;}
p.Datum, li.Datum, div.Datum
{mso-style-name:Datum;
mso-style-link:"Datum Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.DatumZchn
{mso-style-name:"Datum Zchn";
mso-style-priority:99;
mso-style-link:Datum;}
p.Dokumentstruktur, li.Dokumentstruktur, div.Dokumentstruktur
{mso-style-name:Dokumentstruktur;
mso-style-link:"Dokumentstruktur Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.DokumentstrukturZchn
{mso-style-name:"Dokumentstruktur Zchn";
mso-style-priority:99;
mso-style-link:Dokumentstruktur;
font-family:"Tahoma","sans-serif";}
p.E-Mail-Signatur, li.E-Mail-Signatur, div.E-Mail-Signatur
{mso-style-name:E-Mail-Signatur;
mso-style-link:"E-Mail-Signatur Zchn";
margin:0cm;
margin-bottom:.0001pt;
line-height:110%;
font-size:11.0pt;
font-family:"Arial","sans-serif";
color:windowtext;
letter-spacing:0pt;}
span.E-Mail-SignaturZchn
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<div class=Section1>
<p class=MsoNormal style='mso-margin-top-alt:15.05pt;margin-right:0cm;
margin-bottom:10.0pt;margin-left:0cm;line-height:normal'><b><span lang=EN-US
style='font-size:24.0pt;font-family:"Times New Roman","serif";color:#1F497D;
letter-spacing:-.65pt'>C</span></b><b><span lang=EN-US style='font-size:24.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:-.65pt'>all
for proposals - 6th International Microinsurance Conference<o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><span
lang=EN-US style='font-size:18.0pt;font-family:"Times New Roman","serif";
color:#193025'>9-11 November 2010 - Hotel Intercontinental, Manila, Philippines<o:p></o:p></span></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><b><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#8DC63F'><a href="http://www.microinsuranceconference.org/2010"><u><span
style='color:#8DC63F'>www.microinsuranceconference.org/2010</span></u></a><o:p></o:p></span></b></p>
<p class=MsoNormal style='line-height:normal'><b><span lang=EN-US
style='font-size:12.0pt;font-family:"Times New Roman","serif";color:#193025'>Download
proposal form <o:p></o:p></span></b></p>
<p class=MsoNormal style='line-height:normal'><span lang=EN-US
style='font-size:12.0pt;font-family:"Times New Roman","serif";color:#8DC63F'><a
href="http://www.munichre-foundation.org/NR/rdonlyres/779E203D-7280-4D22-B019-4B09AA5787FA/0/MIC2010Proposal_form_E.doc"><u><span
style='color:#8DC63F'>http://www.munichre-foundation.org/NR/rdonlyres/779E203D-7280-4D22-B019-4B09AA5787FA/0/MIC2010Proposal_form_E.doc</span></u></a></span><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p></o:p></span></p>
<p class=MsoNormal style='line-height:normal'><b><span lang=EN-US
style='font-size:12.0pt;font-family:"Times New Roman","serif";color:#193025'><o:p> </o:p></span></b></p>
<p class=MsoNormal style='line-height:normal'><b><span lang=EN-US
style='font-size:12.0pt;font-family:"Times New Roman","serif";color:#193025'><o:p> </o:p></span></b></p>
<p class=MsoNormal style='line-height:normal'><b><span lang=EN-US
style='font-size:12.0pt;font-family:"Times New Roman","serif";color:#193025'>General
information<o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025;letter-spacing:.65pt'>From 9 to 11 November 2010, the 6th International
Microinsurance Conference will take place in Manila, Philippines. This event is
hosted by the Munich Re Foundation and the Microinsurance Network supported by
GTZ/BMZ, the Department of Finance of the Philippines and Georgia State
University’s Center for the Economic Analysis of Risk.<o:p></o:p></span></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><b><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025'>Target audience</span></b><span lang=EN-US style='font-size:
12.0pt;font-family:"Times New Roman","serif";color:#193025'><br>
<span style='letter-spacing:.65pt'>Around 500 participants and experts from
around the world will exchange experiences and discuss the challenges of
microinsurance. They include representatives from insurance and reinsurance
companies, international organisations, NGOs, development-aid agencies,
academics, policymakers, regulators and supervisors.<o:p></o:p></span></span></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><b><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025'>Structure and goal of the conference <br>
</span></b><span lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025;letter-spacing:.65pt'>The conference will have plenary panel
discussions on key topics addressing an interdisciplinary audience. Parallel
working group sessions will deal in depth with different subtopics. Interactive
sessions of approximately 90 minutes are a key part of the conference,
facilitating dialogue in small groups on emerging issues.<o:p></o:p></span></p>
<p class=MsoNormal style='line-height:normal'><b><span lang=EN-US
style='font-size:12.0pt;font-family:"Times New Roman","serif";color:#193025'>Themes<o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#8DC63F;letter-spacing:.65pt'>To cover subjects with current and
interesting content, the conference organisers are announcing a call for
proposals on the following themes:<o:p></o:p></span></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><b><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025'>1) Scientific track – Economic analysis of microinsurance
markets</span></b><span lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025'><br>
<span style='letter-spacing:.65pt'>Together with the Center for the Economic
Analysis of Risk, the International Microinsurance Conference will have a
scientific track to encourage rigorous economic analysis of microinsurance
markets. Empirical, theoretical and policy-oriented papers are invited on
topics such as:<o:p></o:p></span></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l5 level1 lfo9'><![if !supportLists]><span lang=DE
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=DE style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>Design
of microinsurance systems <o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l5 level1 lfo9'><![if !supportLists]><span lang=DE
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=DE style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>Adverse
selection and moral hazard <o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l5 level1 lfo9'><![if !supportLists]><span lang=DE
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=DE style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>Impact
and customer value <o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l5 level1 lfo9'><![if !supportLists]><span lang=DE
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=DE style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>Effectiveness
and sustainability <o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l5 level1 lfo9'><![if !supportLists]><span lang=DE
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=DE style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>Distribution
mechanisms <o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l5 level1 lfo9'><![if !supportLists]><span lang=EN-US
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=EN-US style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>Crowding
out, and crowding in of alternative risk management mechanisms <o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l5 level1 lfo9'><![if !supportLists]><span lang=DE
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=DE style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>Regulation,
supervision and policy <o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;line-height:normal'><span
lang=DE style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025;letter-spacing:.65pt'><o:p> </o:p></span></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><b><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025'>2) Case studies on innovative and sustainable microinsurance
programmes and/or products </span></b><span lang=EN-US style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025'><br>
<span style='letter-spacing:.65pt'>Submissions must include solid data
providing evidence of the execution of the programme including key performance
indicators. Preference is given to submissions focusing on a range of
challenges and solutions, highlighting the role of the different stakeholders
involved.<o:p></o:p></span></span></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><b><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025'>3) Thematic issues<br>
</span></b><span lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025;letter-spacing:.65pt'>Submissions are also requested on the
following topics of particular interest to the organisers:</span><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025'><br>
<b> <br>
</b><i><span style='letter-spacing:.65pt'>a) New distribution channels</span></i><br>
<span style='letter-spacing:.65pt'>Microfinance institutions are perhaps the
most common form of distribution for microinsurance, but through what other
channels does insurance reach low-income households? Submissions that compare
the relative effectiveness of different distribution channels are particularly
relevant.</span><br>
<span style='letter-spacing:.65pt'> </span><br>
<i><span style='letter-spacing:.65pt'>b) Claims handling</span></i><br>
<span style='letter-spacing:.65pt'>The real meaning of microinsurance occurs
when a claim is paid, but how can microinsurers ensure that happens quickly?
How can they ensure that the claim is not rejected? Submissions should outline
the terms and conditions that work best for insurer and client, what redress is
available and effective, and how the community contributes to claims
processing.</span><br>
<span style='letter-spacing:.65pt'> </span><br>
<i><span style='letter-spacing:.65pt'>c) Strategies to develop microinsurance</span></i><br>
<span style='letter-spacing:.65pt'>An enabling environment is key for the development
of microinsurance. The submissions should include the role of policymakers and
regulators to include a more inclusive insurance market.</span><br>
<span style='letter-spacing:.65pt'> </span><br>
<i><span style='letter-spacing:.65pt'>d) Microinsurance solutions for natural
disasters</span></i><br>
<span style='letter-spacing:.65pt'>The devastation of Haiti in January has
raised awareness about the importance of microinsurance and disasters, but can
microinsurance really make a difference in the event of earthquakes, droughts,
floods, hurricanes and other natural disasters? Submissions should focus on
experience linked to implementation and learning relevant to coverage for
co-variant risks.</span><br>
<span style='letter-spacing:.65pt'> </span><br>
<i><span style='letter-spacing:.65pt'>e) Insurance literacy</span></i><br>
<span style='letter-spacing:.65pt'>The low-income market often does not
understand insurance, so how do microinsurance providers overcome this problem?
Preferred submissions would include cost-benefit analysis to assess the
effectiveness of consumer education methods.</span><br>
<span style='letter-spacing:.65pt'> </span><br>
<i><span style='letter-spacing:.65pt'>f) Takaful microinsurance</span><br>
</i><span style='letter-spacing:.65pt'>Is microinsurance relevant for
low-income Muslims? Organisers are interested in examples of effective takaful
microinsurance, with details about pricing, benefits and management processes.<o:p></o:p></span></span></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><b><span
lang=DE style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025'>Submission of proposals:</span></b><span lang=DE
style='font-size:12.0pt;font-family:"Times New Roman","serif";color:#193025;
letter-spacing:.65pt'><o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l6 level1 lfo2'><![if !supportLists]><span lang=EN-US
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=EN-US style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>All
session proposals will be reviewed by the conference steering committee. <o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l6 level1 lfo2'><![if !supportLists]><span lang=EN-US
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=EN-US style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>To
submit a proposal, please complete the </span><span lang=DE style='font-size:
12.0pt;font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'><a
href="http://www.munichre-foundation.org/NR/rdonlyres/779E203D-7280-4D22-B019-4B09AA5787FA/0/MIC2010Proposal_form_E.doc"
target="_self"><u><span lang=EN-US style='color:#78857F'>proposal form.</span></u></a>
</span><span lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025;letter-spacing:.65pt'><o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l6 level1 lfo2'><![if !supportLists]><span lang=EN-US
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=EN-US style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>Kindly
note that no other format can be accepted. Please e-mail the proposal to: </span><span
lang=DE style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025;letter-spacing:.65pt'><a
href="mailto:info@munichre-foundation.org"><u><span lang=EN-US
style='color:#78857F'>info@munichre-foundation.org</span></u></a> </span><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025;letter-spacing:.65pt'><o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;text-indent:-18.0pt;line-height:
normal;mso-list:l6 level1 lfo2'><![if !supportLists]><span lang=EN-US
style='font-size:10.0pt;font-family:Symbol;color:#193025;letter-spacing:.65pt'><span
style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'>
</span></span></span><![endif]><span lang=EN-US style='font-size:12.0pt;
font-family:"Times New Roman","serif";color:#193025;letter-spacing:.65pt'>To
submit a proposal on Theme 1, please attach an electronic version of the paper
as file attachment in Acrobat (.pdf) or Word (.doc) format.<o:p></o:p></span></p>
<p class=MsoNormal style='margin-left:20.95pt;line-height:normal'><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025;letter-spacing:.65pt'><o:p> </o:p></span></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><b><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025'>Conference language</span></b><span lang=EN-US style='font-size:
12.0pt;font-family:"Times New Roman","serif";color:#193025'><br>
<span style='letter-spacing:.65pt'>English<i> </i> <o:p></o:p></span></span></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><b><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025'>Timeline and acceptance</span></b><span lang=EN-US
style='font-size:12.0pt;font-family:"Times New Roman","serif";color:#193025'><br>
<span style='letter-spacing:.65pt'>Submission deadline:
31.5.2010</span><br>
<span style='letter-spacing:.65pt'>Notification of
acceptance:
31.7.2010</span><br>
<span style='letter-spacing:.65pt'>Submission of completed papers (theme 1
only): 15.9.2010</span><br>
<span style='letter-spacing:.65pt'>Submissions of presentations for the
conference: 30.9.2010</span><br>
<i><span style='letter-spacing:.65pt'>Please note that the submission deadline
is final.</span></i><span style='letter-spacing:.65pt'><o:p></o:p></span></span></p>
<p class=MsoNormal style='line-height:normal'><b><span lang=EN-US
style='font-size:12.0pt;font-family:"Times New Roman","serif";color:#193025'>Dates
to remember <o:p></o:p></span></b></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:normal'><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025;letter-spacing:.65pt'>Start of registration:
1.8.2010<o:p></o:p></span></p>
<p class=MsoNormal style='line-height:normal'><span lang=EN-US
style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p>
<p class=MsoNormal style='line-height:normal'><span lang=EN-US
style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p>
<p class=MsoNormal style='margin-bottom:10.0pt;line-height:normal'><span
lang=EN-US style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#193025;letter-spacing:.65pt'><o:p> </o:p></span></p>
<p class=MsoNormal><span lang=EN-US style='font-size:12.0pt;line-height:110%'><o:p> </o:p></span></p>
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