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Startling figures of tax dodging The figures involved are startling, as Franois van der Merwe, chairman of the Tobacco Institute of Southern Africa (TISA), a privately-funded body representing some of the regions most high-profile tobacco industry players (see side box), explained

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Case Study #2 Navigating Considerate Underwriting: Sarah, a 35-year-old smoker and entrepreneur, needed a policy that understood her specific needs

Meanwhile, smaller and medium-sized vapor manufacturersmost of which have already had their PMTAs deniedcontinue to have to fight in court for, perhaps, any hope of an MGO