A Nigerian football supporter wearing the nation's replica home shirt during the international friendly match between England at Wembley. Catherine Ivill/Getty Images
A Nigerian football supporter wearing the nation's replica home shirt during the international friendly match between England at Wembley. Catherine Ivill/Getty Images
A Nigerian football supporter wearing the nation's replica home shirt during the international friendly match between England at Wembley. Catherine Ivill/Getty Images
A Nigerian football supporter wearing the nation's replica home shirt during the international friendly match between England at Wembley. Catherine Ivill/Getty Images

World Cup fashion: the real winners over the years


  • English
  • Arabic

I am not going to lie to you, I am not the world’s greatest football fan, mainly because I hail from a fashion background and the outfits are just so, well, drab.

While it would be unfair to hark on about the importance of cut and matching colours to skin tone, there is no denying that, all too often, World Cup strips are firmly on the dull side of predictable.

The only saving grace of the near-identical tops (which make it hard for a lay person like myself to tell the teams apart) is the high-tech fabrics used. However, tedium has not always been the driving force behind football fashion. There have been a handful of outstanding looks over the years, as a quick round up of our five favourite World Cup strips reveals.

Nigeria, 2018

Nigeria's Oghenekaro Etebo in action against England ahead of the 2018 World Cup. Carl Recine / Action Images via Reuters
Nigeria's Oghenekaro Etebo in action against England ahead of the 2018 World Cup. Carl Recine / Action Images via Reuters

When the tournament kicks off on Thursday, one team will stand out from the crowd. Nigeria. A two-toned fiesta for the eyes, the strip comprises a striking chevron pattern (cleverly echoing the country’s textile history) against a lime green background that is completely uplifting. A serious note comes from the no-nonsense black-on-white of the sleeves, but overall, we hope they score, because we cannot wait to see the celebration dance to match.

West Germany, 1990

Klaus Augenthaler in Germany's 1990 strip. Bongarts / Getty Images
Klaus Augenthaler in Germany's 1990 strip. Bongarts / Getty Images

For the World Cup in 1990, West Germany paraded out in a white shirt that embraced its sponsors wholeheartedly. It used Adidas’s famous three stripes as the main design, here transformed into a tri-coloured flash that zig-zagged across the chest. It conveyed such a sense of barely contained energy, it is no wonder they went on to win the tournament.

Argentina, 1986

Diego Maradona shields the ball in Argentia's 1986 World Cup winning kit. Michael King / Getty Images
Diego Maradona shields the ball in Argentia's 1986 World Cup winning kit. Michael King / Getty Images

It may be linked to Maradona’s notorious “Hand of God” episode, but it would be unfair to blame the outfit for that (yes, I am English. Yes, it still rankles). Featuring baby blue vertical stripes on white, the lines were broken only by a simple white band around the neck. Jet black shorts reminded everyone what a formidable force Argentina were, and that it deserved the trophy that year (almost).

Brazil, 1986

Zico, left, sports Brazil's kit in the 1986 World Cup in Mexico City. Mike King / Allsport / Getty Images
Zico, left, sports Brazil's kit in the 1986 World Cup in Mexico City. Mike King / Allsport / Getty Images

In clearly a good year for football style, Brazil took to the field in a block of sunshine yellow, offset with a natty green collar. A simple V-neck with neat, short sleeves, it was pleasingly simple and still remains one of the most memorable strips ever produced. At the time, it became de rigueur for every England fan (once England had been knocked out) and was so coveted that everyone – even me - wanted one.

Peru, 1978

Peruvian forward Teofilo Cubillas runs between Polish defenders during the World Cup in 1978. AFP Photo
Peruvian forward Teofilo Cubillas runs between Polish defenders during the World Cup in 1978. AFP Photo

Where to start explaining the glory of this?  A pure white ground, simple, full-length sleeves, and then, kapow, a blood red diagonal from shoulder to hip. Nothing, not even the tidy V-neck and elasticated wrist can distract the eye from that powerful slash of red, which ran across the heart of every player. In a movie, such an outfit would guarantee the title, but sadly life has other ideas.

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World Cup 2018

All 32 World Cup home shirts ranked

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Extra Time podcast: World Cup 2018 special quiz

Meet the Emirati World Cup referee who kept Stoichkov and Ronaldo in check

'Saand Ki Aankh'

Produced by: Reliance Entertainment with Chalk and Cheese Films
Director: Tushar Hiranandani
Cast: Taapsee Pannu, Bhumi Pednekar, Prakash Jha, Vineet Singh
Rating: 3.5/5 stars

SPEC%20SHEET%3A%20SAMSUNG%20GALAXY%20S23%20ULTRA
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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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57%20Seconds
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Panipat

Director Ashutosh Gowariker

Produced Ashutosh Gowariker, Rohit Shelatkar, Reliance Entertainment

Cast Arjun Kapoor, Sanjay Dutt, Kriti Sanon, Mohnish Behl, Padmini Kolhapure, Zeenat Aman

Rating 3 /stars

Need to know

Unlike other mobile wallets and payment apps, a unique feature of eWallet is that there is no need to have a bank account, credit or debit card to do digital payments.

Customers only need a valid Emirates ID and a working UAE mobile number to register for eWallet account.

Avatar: Fire and Ash

Director: James Cameron

Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana

Rating: 4.5/5

Herc's Adventures

Developer: Big Ape Productions
Publisher: LucasArts
Console: PlayStation 1 & 5, Sega Saturn
Rating: 4/5

How to get there

Emirates (www.emirates.com) flies directly to Hanoi, Vietnam, with fares starting from around Dh2,725 return, while Etihad (www.etihad.com) fares cost about Dh2,213 return with a stop. Chuong is 25 kilometres south of Hanoi.
 

The specs: 2018 Dodge Durango SRT

Price, base / as tested: Dh259,000

Engine: 6.4-litre V8

Power: 475hp @ 6,000rpm

Torque: 640Nm @ 4,300rpm

Transmission: Eight-speed automatic

Fuel consumption, combined: 7.7L / 100km

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

FA Cup fifth round draw

Sheffield Wednesday v Manchester City
Reading/Cardiff City v Sheffield United
Chelsea v Shrewsbury Town/Liverpool
West Bromwich Albion v Newcastle United/Oxford United
Leicester City v Coventry City/Birmingham City
Northampton Town/Derby County v Manchester United
Southampton/Tottenham Hotspur v Norwich City
Portsmouth v Arsenal 

Kamindu Mendis bio

Full name: Pasqual Handi Kamindu Dilanka Mendis

Born: September 30, 1998

Age: 20 years and 26 days

Nationality: Sri Lankan

Major teams Sri Lanka's Under 19 team

Batting style: Left-hander

Bowling style: Right-arm off-spin and slow left-arm orthodox (that's right!)

Veere di Wedding
Dir: Shashanka Ghosh
Starring: Kareena Kapoo-Khan, Sonam Kapoor, Swara Bhaskar and Shikha Talsania ​​​​​​​
Verdict: 4 Stars

The Sand Castle

Director: Matty Brown

Stars: Nadine Labaki, Ziad Bakri, Zain Al Rafeea, Riman Al Rafeea

Rating: 2.5/5