There have been many lessons learned over the years as to what can cause problems for investors, including insurance companies, when economies weaken and markets struggle. One of the most significant out of the financial crisis of 2007/8, is that liquidity should be a focus. In the short term, liquidity issues can outweigh adequacy of capital as perception and reality clash. Cash flow demands can increase unexpectedly while asset markets fluctuate. Insurers typically satisfy claims with incoming cash flows, consisting of premiums on policies, investment income and maturing fixed income assets. Asset liability management focuses on matching the duration of assets with that of liabilities and providing for contingencies.