>>  Terrorism >>  Flood 02 Future >>  Pensions >>  Health insurance >>  Asbestos 04 Innovation >>  Pension reform >>  Cyberrisks 01 Markets 07 Security 05 Partnership 06 Risk 03 Climate M ^{Münchener Rück} Munich  Re  Group Munich Re Group Annual Report 2002 DRAWING ON EXPERIENCE – SHAPING THE FUTURE