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      "text": "1 Positive net client flows¹ for the third year in a row despite persisting market volatility\n2 28% higher earnings, strong and balanced contribution across Asset Management, Wealth and Life\n3 21% higher Operating Capital Generation, benefitting from strong underlying result\n4 Improved Solvency II ratio to 203% and clear focus on deleveraging\n5 Strong cost discipline, £73 million reduction in 2023, committed to broadly flat Asset Mgmt. costs",
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