Dear Sara  [IMAGE]COVER STORY: Insurance's catastrophic year impels it onto banks' terrain    The events of September 11 will have long-term effects on the insurance industry. How will it affect the banking industry and capital markets?  PLUS: Find out who has won this year's poll of polls. In 2001, Deutsche Bank comfortably took top spot, followed by Citibank/SSSB. This year, the competition between the two has been much closer.   Also in this month's Euromoney: Asia: Downsize, centralize and head for China    |  Investors turn cool on the rating game    |  Hedge funds: the new investment bubble?    |   Critics attack IMF's standstill proposal    |   Wall Street stages a modest IPO revival    And more - see the  full contents list .   Subscribe to Euromoney Confidential  now to access this month's magazine.   Your username: sshackl Forgotten your password?   Request a password reminder      ADVERTISEMENT [IMAGE]The Banker, part of the Financial Times Group, has named SunGard Panorama the first recipient of its Risk Management Award. Panorama, a real-time, modular solution for cross-asset, straight-through trading, portfolio analysis, market and credit risk management and processing, has been given the award for its contract with the Confederacion Espa?ola de Cajas de Ahorros (CECA), the Spanish association that represents 41 savings banks. For more details visit www.risk.sungard.com/panorama.    UPCOMING EVENT [IMAGE]Since 1994, the Euromoney Bond Investors Congress has become the premier event for fixed income professionals. Get ready to attend the 2002 event in London on February 19 and 20. More details .     PLUS:  euromoney.com is so much more than just the magazine online. The site is full of free news, views and research on the capital markets. We have special pages for bonds , convertibles, covered bonds , forex  and more. See the full list  of markets and products pages. We also have special pages for regions and countries .    NEW RESOURCES:  [IMAGE] The Euromoney Career Centre  has the best selection of banking opportunities and confidential career management tools to help you assess your market value.   [IMAGE] View forex trade ideas , based on Elliott wave theory and brought to you in association with Wavecounts.  [IMAGE]And don't forget the euromoney.com internet awards 2001  - completely free to all our registered users.   [IMAGE]Quick and easy access to any Euromoney magazine article from the past six months, and soon to many more, is now available using our new search engine.    Review the details we hold for you at: www.euromoney.com/MyDetails     If you would prefer not to receive monthly e-mails such as  this, you can change your email options by going to: www.euromoney.com/EmailPreferences     *** PLEASE DO NOT REPLY TO THIS EMAIL *** If you require  further information, please go to www.euromoney.com/HelpCentre .