Our approach to managing our environmental impacts remains consistent and we continue to understand and reduce rather than offset our environmental impact. To increase awareness of environmental issues, a Computer Based Training (CBT) module was rolled out to all employees this year, which 75% of employees have now completed.
We have made progress in reducing our CO2 emissions and the amount of waste we produce, with CO2 emissions down 9.5% and waste production reduced by 32%, meaning that we are on track to achieve our 2012 targets. We have now established our Carbon Reduction Commitment (CRC) Committee and assessed the impact across the Business, both from our own facilities and from our commercial property portfolio. We are well-positioned for the introduction of CRC.
An area of particular focus in 2009 has been reducing the amount of paper we use as a business. Increased efficiencies have resulted in a reduction of 17% of paper used, despite an increase in the number of customer policies. For more information on our environmental results please see our online CSR report, www.legalandgeneralgroup.com

