It’s all change at Lloyd’s as CEO John Neal champions the Herculean task of preparing the market for a challenging future. In this latest issue Intelligent Insurer gets under the skin of the multifaceted issues Lloyd’s executives are grappling with. From cutting costs, to boosting profitability and bringing in long overdue technological advances, as well as stemming the flow of business to competitor markets, not to mention the issues around certain parts of its 'laddish' culture that are not going away. This is not a job for the faint hearted. As the sector looks on, II gauges reaction from the wider industry.