Wales coach Chris Coleman, centre, instructs his players during a Euro 2016 qualifier match against Bosnia and Herzegovina at Cardiff City Stadium on October 10, 2014 in Cardiff, Wales. Stu Forster/Getty Images
Wales coach Chris Coleman, centre, instructs his players during a Euro 2016 qualifier match against Bosnia and Herzegovina at Cardiff City Stadium on October 10, 2014 in Cardiff, Wales. Stu Forster/GeShow more

Wales coach Chris Coleman: ‘Performance pleased me more than the point’ against Bosnia and Herzegovina



CARDIFF, United Kingdom // Chris Coleman, the Wales manager, saluted his players following their well-earned 2016 European Championship qualifying point in a goalless draw with Bosnia and Herzegovina in Cardiff which put them top of Group B.

Despite Friday’s stalemate, there were chances aplenty for both sides with Wales goalkeeper Wayne Hennessey and Bosnian counterpart Asmir Begovic producing superb saves to deny Miralem Pjanic and Gareth Bale respectively.

While Wales will be pleased with their fourth point from two matches which keeps them one point clear of rivals Belgium, the home side could rue missed second-half chances which fell to Ashley Williams and Hal Robson-Kanu.

Following Wales’ opening 2-1 victory in Andorra last month, Coleman was extremely satisfied with the performance and result after the goalless draw in the Welsh capital.

“The performance pleased me more than the point,” said Coleman.

“We had to ride our luck a little bit against a side like that so we had to stand up to the challenge. We did that and dug deep and the players were magnificent. I was so proud of them.

“In the last campaign we played good football but got beat easy. We gifted teams goals and the mindset has to be different,” explained Coleman, looking to guide Wales to their first major tournament finals since the 1958 World Cup.

“Lads were throwing their heads in front of shots and we need to have that mentality.

“This campaign, we may not play best football in terms of possession but we have to win games 1-0.

“If it will be 0-0 then we need to fight and not roll over. Last time we got bullied by Bosnia, but we never got bullied tonight.”

Wales, backed by a vibrant 30,741 attendance, pushed Bosnia, who took part at this year’s World Cup finals in Brazil, all the way and could have nicked the three points when Stoke goalkeeper Begovic made a superb save to keep out Bale’s injury-time shot.

Coleman added: “I thought Bale’s shot was in. I said, ‘goal’ as soon as it left his foot. We had another chance with Ash’s header.”

Wales now face Cyprus in Cardiff on Monday and Coleman is demanding the same level of performance.

“Three points on Monday would make things look very beautiful. We may be tired but we have enough to get us a win. We are capable of that.

“This could be a group where people take points of each other all the time. It’s nice to be sitting top at any time, but now we have to back it up again.”

Bosnia now return home with just one point from their opening two fixtures in the group following a shock 2-1 home loss to Cyprus last month.

Now Safet Susic’s side take on Belgium, who hammered Andorra 6-0 in Brussels.

The Bosnian coach said: “The game was as I expected. It was a difficult game.

“We came here to get three points and we took some risks. The score is not bad for either team. They are our direct opponents for second place.

“After our defeat to Cyprus that is the case. Our goal is to be in the first two teams.

“I think the best players on the pitch tonight were the two goalkeepers.”

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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How to protect yourself when air quality drops

Install an air filter in your home.

Close your windows and turn on the AC.

Shower or bath after being outside.

Wear a face mask.

Stay indoors when conditions are particularly poor.

If driving, turn your engine off when stationary.

Company%20profile
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UAE currency: the story behind the money in your pockets
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The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now

Profile of Foodics

Founders: Ahmad AlZaini and Mosab AlOthmani

Based: Riyadh

Sector: Software

Employees: 150

Amount raised: $8m through seed and Series A - Series B raise ongoing

Funders: Raed Advanced Investment Co, Al-Riyadh Al Walid Investment Co, 500 Falcons, SWM Investment, AlShoaibah SPV, Faith Capital, Technology Investments Co, Savour Holding, Future Resources, Derayah Custody Co.


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