• BRIGHTON RATINGS: Robert Sanchez, 6 - Despite commanding his box well and producing a fantastic second half save from Aubameyang, the Brighton goalkeeper couldn’t prevent Lacazette’s winner. AFP
    BRIGHTON RATINGS: Robert Sanchez, 6 - Despite commanding his box well and producing a fantastic second half save from Aubameyang, the Brighton goalkeeper couldn’t prevent Lacazette’s winner. AFP
  • Adam Webster, 6 - His ice cool composure and focus on every passage of play is a real attribute for this Brighton side. EPA
    Adam Webster, 6 - His ice cool composure and focus on every passage of play is a real attribute for this Brighton side. EPA
  • Lewis Dunk, 5 - Although he had consistently strong positioning, the captain lost his man for Arsenal’s winning goal and picked up a needless yellow card. EPA
    Lewis Dunk, 5 - Although he had consistently strong positioning, the captain lost his man for Arsenal’s winning goal and picked up a needless yellow card. EPA
  • Dan Burn, 5 - The physical defender’s impressive outing was somewhat soured after he was beaten for pace by Saka who went on to set up Lacazette’s tidy finish. Getty
    Dan Burn, 5 - The physical defender’s impressive outing was somewhat soured after he was beaten for pace by Saka who went on to set up Lacazette’s tidy finish. Getty
  • Joel Veltman, 6 - From smart play to quick passing movements, Veltman was a source of danger throughout the game for the Seagulls. AP
    Joel Veltman, 6 - From smart play to quick passing movements, Veltman was a source of danger throughout the game for the Seagulls. AP
  • Bernardo, 6 - Held the ball up well but showed no real conviction when moving into the final third for the hosts. AP
    Bernardo, 6 - Held the ball up well but showed no real conviction when moving into the final third for the hosts. AP
  • Yves Bissouma, 7 - Protected the ball and helped to dictate the pace of the game in the middle of the park from the first minute until the very last. EPA
    Yves Bissouma, 7 - Protected the ball and helped to dictate the pace of the game in the middle of the park from the first minute until the very last. EPA
  • Davy Propper, 6 - While he did struggle in attacking positions, Propper’s grit and determination instilled some intimidation in Brighton’s play. EPA
    Davy Propper, 6 - While he did struggle in attacking positions, Propper’s grit and determination instilled some intimidation in Brighton’s play. EPA
  • Pascal Gross, 5 - A string of poor free kicks summed up a disappointing evening for the usually reliable Gross. Getty
    Pascal Gross, 5 - A string of poor free kicks summed up a disappointing evening for the usually reliable Gross. Getty
  • Alexis Mac Allister, 5 - Blasted an effort over the bar in what was his main contribution at the Amex. Getty
    Alexis Mac Allister, 5 - Blasted an effort over the bar in what was his main contribution at the Amex. Getty
  • Alireza Jahanbakhsh, 5 - Seemed to panic whenever he found himself inside the box, and as a result, he fluffed a few important chances for Brighton. AP
    Alireza Jahanbakhsh, 5 - Seemed to panic whenever he found himself inside the box, and as a result, he fluffed a few important chances for Brighton. AP
  • SUBS: Neal Maupay, 5 - Barely got a sniff at the ball and seemed to be thrown on more so out of desperation than anything else. Reuters
    SUBS: Neal Maupay, 5 - Barely got a sniff at the ball and seemed to be thrown on more so out of desperation than anything else. Reuters
  • Solly March, 6 - Made a few nice runs down either flank but was unable to really influence the outcome of the game. Leandro Trossard, N/A -- Looked active and ready to create opportunities but didn’t receive the service necessary. Reuters
    Solly March, 6 - Made a few nice runs down either flank but was unable to really influence the outcome of the game. Leandro Trossard, N/A -- Looked active and ready to create opportunities but didn’t receive the service necessary. Reuters
  • ARSENAL RATINGS: Bernd Leno, 7 - Outside of some cocky tricks in the 22nd minute, Leno was one of Arsenal’s most efficient players. EPA
    ARSENAL RATINGS: Bernd Leno, 7 - Outside of some cocky tricks in the 22nd minute, Leno was one of Arsenal’s most efficient players. EPA
  • Kieran Tierney, 7 - Showed off his phenomenal gas tank by spreading his play from pillar to post, impressing both with his crosses and his defensive work. EPA
    Kieran Tierney, 7 - Showed off his phenomenal gas tank by spreading his play from pillar to post, impressing both with his crosses and his defensive work. EPA
  • Pablo Mari, 8 - The calm demeanour of Pablo Mari has allowed Arsenal fans to relax more in their defensive structure, and that, in itself, is a huge compliment. AP
    Pablo Mari, 8 - The calm demeanour of Pablo Mari has allowed Arsenal fans to relax more in their defensive structure, and that, in itself, is a huge compliment. AP
  • Rob Holding, 6 - He may have been static on a few occasions when Brighton pushed forward, but on the whole, he partnered up nicely with Mari. EPA
    Rob Holding, 6 - He may have been static on a few occasions when Brighton pushed forward, but on the whole, he partnered up nicely with Mari. EPA
  • Hector Bellerin, 6 - After another lethargic first half the Spaniard battled hard and showed a lot of heart in helping Arsenal grind out the win. Getty
    Hector Bellerin, 6 - After another lethargic first half the Spaniard battled hard and showed a lot of heart in helping Arsenal grind out the win. Getty
  • Granit Xhaka, 5 - Called Brighton’s bluff by allowing them to bleed into Arsenal’s half time and time again, and against a better team, that would’ve cost them dearly. AP
    Granit Xhaka, 5 - Called Brighton’s bluff by allowing them to bleed into Arsenal’s half time and time again, and against a better team, that would’ve cost them dearly. AP
  • Mohamed Elneny, 5 - The Egyptian’s negative style pushed Arsenal back far too often, leaving many questions surrounding how necessary he is for the Gunners. Getty
    Mohamed Elneny, 5 - The Egyptian’s negative style pushed Arsenal back far too often, leaving many questions surrounding how necessary he is for the Gunners. Getty
  • Emile Smith-Rowe, 6 - Grew into the game through nice one-twos and cutting inside, although he did look nervous in the first half. EPA
    Emile Smith-Rowe, 6 - Grew into the game through nice one-twos and cutting inside, although he did look nervous in the first half. EPA
  • Gabriel Martinelli, 6 - He may have an explosive style, but it means nothing when he isn’t being provided with enough opportunities up top. EPA
    Gabriel Martinelli, 6 - He may have an explosive style, but it means nothing when he isn’t being provided with enough opportunities up top. EPA
  • Bukayo Saka, 8 - After being marked off the ball in the first 45 minutes, Saka burst into life with a great assist to set up the winning goal. AP
    Bukayo Saka, 8 - After being marked off the ball in the first 45 minutes, Saka burst into life with a great assist to set up the winning goal. AP
  • Pierre-Emerick Aubameyang, 6 - Was forced out wide far too often, although he did bring others into the game very well - especially in the second half. AP
    Pierre-Emerick Aubameyang, 6 - Was forced out wide far too often, although he did bring others into the game very well - especially in the second half. AP
  • SUBS: Alexandre Lacazette, 8 - In addition to his strong service, Lacazette made an instant impact within seconds of coming on by scoring for the third consecutive game.
    SUBS: Alexandre Lacazette, 8 - In addition to his strong service, Lacazette made an instant impact within seconds of coming on by scoring for the third consecutive game.
  • Ainsley Maitland-Niles, N/A - Served as another defensive option but didn’t have enough time to do anything of note. Getty
    Ainsley Maitland-Niles, N/A - Served as another defensive option but didn’t have enough time to do anything of note. Getty
  • Dani Ceballos, N/A - Held the ball up as and when he could but was really introduced to further kill the clock. AP
    Dani Ceballos, N/A - Held the ball up as and when he could but was really introduced to further kill the clock. AP

Football

Mikel Arteta aims to trim bloated Arsenal squad in transfer window

Gunners manager admits club 'cannot sustain the numbers that we have in certain positions' with likes of Ozil, Mustafi and Kolasinac surplus to requirements

The National

December 31, 2020

  • English
  • Arabic

Mikel Arteta says Arsenal's priority in the January transfer window is to trim their bloated squad as he seeks to build on a mini-revival at the Premier League club.

The Gunners were able to offload Emiliano Martinez and Henrikh Mkhitaryan in the summer window while Matteo Guendouzi and Lucas Torreira departed on loan.

But forgotten man Mesut Ozil remained at the Emirates along with Shkodran Mustafi and Sead Kolasinac, who have barely featured this campaign.

And defender was the first go when he joined German strugglers Schalke on loan for the rest of the season

Ozil, whose deal expires in summer 2021, has been left out of the Gunners' Premier League and Europa League squads this season.

Arsenal have been linked with a loan move for Real Madrid playmaker Isco next month, but first of all technical director Edu will attempt to raise funds by moving on those who are surplus to requirements.

"There are some players that are going to go on loan and going to leave and that is the priority at the moment," manager Arteta said ahead of Saturday's trip to West Brom.

"We cannot sustain the numbers that we have in certain positions and we are looking to do that, and then we will see if we have the right opportunity in the positions where we need some more help."

The pressure on Arteta has eased after wins against Chelsea and Brighton lifted Arsenal to 13th in the Premier League table following a miserable run.

Bukayo Saka, who starred in the 1-0 win at Brighton on Tuesday, is expected to be fit for the match against Sam Allardyce's West Brom.

The teenager was forced off during the latter stages of the victory after a strong challenge, but should recover while David Luiz and Willian, who both tested negative for Covid-19 earlier this week, may return this weekend.

Allardyce this week called for a "circuit-breaker" in the Premier League as coronavirus cases spike in Britain but league bosses said the competition would continue as planned.

"All the protocols we have in place, everything we do around the training ground and matches, the fact that we play our game outside, it minimises the risk a lot," Arteta said.

"We're going to have more restrictions I think, we're going to have more tests to try to be as efficient as we were before and we will see. But I think it will work and I think we can carry on doing it."

________________________________________________________________________

Gallery: Arsenal 3 Chelsea 1

  • Alexandre Lacazette is mobbed by teammates after opening the scoring in Arsenal's 3-1 victory over Chelsea at the Emirates Stadium on Saturday, December 26. PA
    Alexandre Lacazette is mobbed by teammates after opening the scoring in Arsenal's 3-1 victory over Chelsea at the Emirates Stadium on Saturday, December 26. PA
  • Arsenal's Granit Xhaka scores from a free-kick to make it 2-0. EPA
    Arsenal's Granit Xhaka scores from a free-kick to make it 2-0. EPA
  • Arsenal's Granit Xhaka scores from a free-kick to make it 2-0. EPA
    Arsenal's Granit Xhaka scores from a free-kick to make it 2-0. EPA
  • Arsenal's Granit Xhaka scores from a free-kick to make it 2-0. EPA
    Arsenal's Granit Xhaka scores from a free-kick to make it 2-0. EPA
  • Arsenal manager Mikel Arteta. Reuters
    Arsenal manager Mikel Arteta. Reuters
  • Chelsea's Ben Chilwell. Reuters
    Chelsea's Ben Chilwell. Reuters
  • Bukayo Saka celebrates scoring Arsenal's third goal. PA
    Bukayo Saka celebrates scoring Arsenal's third goal. PA
  • Arsenal win a penalty after Kieran Tierney is fouled by Chelsea full-back Reece James. Getty
    Arsenal win a penalty after Kieran Tierney is fouled by Chelsea full-back Reece James. Getty
  • Arsenal's Granit Xhaka celebrates with Alexandre Lacazette after scoring his team's second goal. EPA
    Arsenal's Granit Xhaka celebrates with Alexandre Lacazette after scoring his team's second goal. EPA
  • Chelsea's American midfielder Christian Pulisic. AFP
    Chelsea's American midfielder Christian Pulisic. AFP
  • Arsenal's Alexandre Lacazette scores a penalty to make 1-0. PA
    Arsenal's Alexandre Lacazette scores a penalty to make 1-0. PA
  • Arsenal's French striker Alexandre Lacazette celebrates scoring. AFP
    Arsenal's French striker Alexandre Lacazette celebrates scoring. AFP
  • Chelsea attacker Timo Werner - challenged here by Arsenal's Rob Holding - was taken off at half-time by manager Frank Lampard. Reuters
    Chelsea attacker Timo Werner - challenged here by Arsenal's Rob Holding - was taken off at half-time by manager Frank Lampard. Reuters
  • Chelsea goalkeeper Edouard Mendy watches Bukayo Saka's cross-come-shot hit the back of the net to make it 3-0 to Arsenal. EPA
    Chelsea goalkeeper Edouard Mendy watches Bukayo Saka's cross-come-shot hit the back of the net to make it 3-0 to Arsenal. EPA
  • Chelsea manager Frank Lampard. AFP
    Chelsea manager Frank Lampard. AFP
  • Tammy Abraham chests the ball home to pull one back for Chelsea. PA
    Tammy Abraham chests the ball home to pull one back for Chelsea. PA
  • Jorginho misses a late penalty for Chelsea. Getty
    Jorginho misses a late penalty for Chelsea. Getty
  • Arsenal goalkeeper Bernd Leno saves Jorginho's penalty. EPA
    Arsenal goalkeeper Bernd Leno saves Jorginho's penalty. EPA
  • Arsenal's Bernd Leno is congratulated after saving Jorginho's penalty. Reuters
    Arsenal's Bernd Leno is congratulated after saving Jorginho's penalty. Reuters
HWJN
%3Cp%3EDirector%3A%20Yasir%20Alyasiri%3C%2Fp%3E%0A%3Cp%3EStarring%3A%20Baraa%20Alem%2C%20Nour%20Alkhadra%2C%20Alanoud%20Saud%3C%2Fp%3E%0A%3Cp%3ERating%3A%203%2F5%3C%2Fp%3E%0A%3Cp%3E%3C%2Fp%3E%0A
While you're here
The%20Boy%20and%20the%20Heron
%3Cp%3E%3Cstrong%3EDirector%3A%C2%A0%3C%2Fstrong%3EHayao%20Miyazaki%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarring%3A%3C%2Fstrong%3E%C2%A0Soma%20Santoki%2C%20Masaki%20Suda%2C%20Ko%20Shibasaki%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%20%3C%2Fstrong%3E5%2F5%3C%2Fp%3E%0A
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.

MATCH INFO

What: India v Afghanistan, first Test
When: Starts Thursday
Where: M Chinnaswamy Stadium, Bengalaru

Tax authority targets shisha levy evasion

The Federal Tax Authority will track shisha imports with electronic markers to protect customers and ensure levies have been paid.

Khalid Ali Al Bustani, director of the tax authority, on Sunday said the move is to "prevent tax evasion and support the authority’s tax collection efforts".

The scheme’s first phase, which came into effect on 1st January, 2019, covers all types of imported and domestically produced and distributed cigarettes. As of May 1, importing any type of cigarettes without the digital marks will be prohibited.

He said the latest phase will see imported and locally produced shisha tobacco tracked by the final quarter of this year.

"The FTA also maintains ongoing communication with concerned companies, to help them adapt their systems to meet our requirements and coordinate between all parties involved," he said.

As with cigarettes, shisha was hit with a 100 per cent tax in October 2017, though manufacturers and cafes absorbed some of the costs to prevent prices doubling.

Paatal Lok season two

Directors: Avinash Arun, Prosit Roy 

Stars: Jaideep Ahlawat, Ishwak Singh, Lc Sekhose, Merenla Imsong

Rating: 4.5/5

Dubai Bling season three

Cast: Loujain Adada, Zeina Khoury, Farhana Bodi, Ebraheem Al Samadi, Mona Kattan, and couples Safa & Fahad Siddiqui and DJ Bliss & Danya Mohammed 

Rating: 1/5

While you're here
Groom and Two Brides

Director: Elie Semaan

Starring: Abdullah Boushehri, Laila Abdallah, Lulwa Almulla

Rating: 3/5

Arsenal