The meeting covered updates from previous actions, wordings, claims, market conditions, and committee matters. The LMA provided progress on draft revisions for the 3022/3023 wordings, seeking member feedback on the occurrence clause. Work continued on 3182 Property Damage wording to address international legal requirements. Alison Colver and Amanda Good noted broadening of terms driven by US carriers. Claims updates were absent. Market discussions highlighted increased endorsements at discounted rates, the rise of electronic trading platforms reducing broker involvement, mid-term policy cancellations for better deals, and ongoing commission negotiations. Cyber exclusions were a key focus, with members resisting amendments that reintroduce malicious cyber coverage or extend perils beyond approved clauses. The D&F Forum is scheduled for 11th November online, and the next panel meeting is confirmed for 12th November at 3 PM.