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Most important of all, however, was the fact that, in keeping with traditional insurance practice, the carriers of PPGs excess policies had laid off much of their risk by selling between fifty and seventy-five per cent of it to various reinsurance companies in the United States, and these, in turn, had ceded portions of their risk to reinsurance investors in the London Marketthe largest reinsurance industry in the worldwhich then ceded to reinsurance companies in Germany, Switzerland, Japan, Bermuda, and various islands in the Caribbean

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"The legislation was passed by the last government with the intention that supermarkets would have had to remove these displays in 2011, and small retailers two years later," says Professor Ann McNeill, deputy director of the UK Centre for Tobacco Control Studies