Manchester United 1 // Liverpool 0
Man Utd Giggs (pen) 2'
Red cards Gerrard (Liverpool)
Man of the match Ryan Giggs (Man Utd)
MANCHESTER // Kenny Dalglish described his decision to return as Liverpool manager as "a no-brainer" after his first match in charge of the club for almost 20 years ended in a 1-0 defeat to Manchester United.
The Scot, who won three league titles and two FA Cups in a six-year spell before resigning in 1991, took over from the sacked Roy Hodgson after a dramatic return from the Persian Gulf.
"For me, it was a no-brainer," he said. "I've been asked a few times to go back [into management] but Liverpool Football Club is a special place.
"It's brilliant. It's amazing how quickly the memory comes back to you. It doesn't seem that long ago I was in the dressing room. It's a great honour and a privilege. It's a club that means a great deal for me. I was very fortunate to be asked in unfortunate circumstances. The person who has lost their job is a man of real dignity and integrity."
Dalglish had been on a cruise with his wife, Marina, when he was summoned back to Anfield.
"I was on a boat, I was happy and then I got a phone call from John Henry [the owner] who said they spoke to Roy and would I like to come and look after the team until the end of the season," he explained, with a deadpan explanation of his whereabouts on the ship. "Being a professional athlete, I was at the bar."
After a flight from Bahrain, he arrived in England and, despite defeat to a Ryan Giggs penalty, issued a call for unity at Anfield.
"Everybody's got to be singing from the same hymn sheets whether it is players, supporters, the owners or the manager," Dalglish said.
He is in charge until the end of the season, which he described as "a fantastic journey."
The game was shaped by two decisions by Howard Webb, the referee, and Dalglish did not agree with either of them.
"The penalty is a joke," he said. "I have seen the replay and unless they have changed the rules it is no penalty.
"The other one, I cannot see that as a red card either. In the dressing room before the game someone said to me the game's not changed that much. I said 'I thought it was a non-contact sport'. Maybe I was right."
REPORT CARD
Manchester United
• Keeper Tomasz Kuszczak, United's No 2, made one fine save and was otherwise relatively untroubled. Looked a little shaky with ball at feet. B
• Defence If United end the season with a trophy or two, much of the credit will go to their solid defence. Jonny Evans deputised well for Nemanja Vidic at centre-back up against Fernando Torres. B+
• Midfield Ryan Giggs was outstanding, but United should have controlled the game once Steven Gerrard was sent off. That they did not was down partly to slack passing, partly to a fine Liverpool effort. C
• Strikers Dive or not, Dimitar Berbatov was United's match winner again. Always looked like he was on the verge of producing something special. B-
• Manager Sir Alex Ferguson picked a strong team although an extra midfielder may have seen United dominate. B
Overall Grade: B-
Liverpool
• Keeper Almost saved Giggs’s early penalty and produce a couple more decent stops. It is hard to find a fault with Jose Reina. B
• Defence United had success getting in behind Liverpool on the flanks, but were kept to one goal. Daniel Agger will regret trying to tackle Berbatov in the box, no matter how light the contact. B-
• Midfield Why Gerrard felt it necessary to jump in with two feet on Michael Carrick, only he will know, but those left behind kept Liverpool in the game with a tireless display. B
• Strikers Just as in the league game earlier in the season at Old Trafford, Torres produced nothing and struggled on his own up front. D
• Manager Kenny Dalglish was brave to take off Torres with 15 minutes left, given the criticism that often caused Rafa Benitez. B
Overall Grade: C+
Lexus LX700h specs
Engine: 3.4-litre twin-turbo V6 plus supplementary electric motor
Power: 464hp at 5,200rpm
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Russia's Muslim Heartlands
Dominic Rubin, Oxford
The Vile
Starring: Bdoor Mohammad, Jasem Alkharraz, Iman Tarik, Sarah Taibah
Director: Majid Al Ansari
Rating: 4/5
Dubai World Cup nominations
UAE: Thunder Snow/Saeed bin Suroor (trainer), North America/Satish Seemar, Drafted/Doug Watson, New Trails/Ahmad bin Harmash, Capezzano, Gronkowski, Axelrod, all trained by Salem bin Ghadayer
USA: Seeking The Soul/Dallas Stewart, Imperial Hunt/Luis Carvajal Jr, Audible/Todd Pletcher, Roy H/Peter Miller, Yoshida/William Mott, Promises Fulfilled/Dale Romans, Gunnevera/Antonio Sano, XY Jet/Jorge Navarro, Pavel/Doug O’Neill, Switzerland/Steve Asmussen.
Japan: Matera Sky/Hideyuki Mori, KT Brace/Haruki Sugiyama. Bahrain: Nine Below Zero/Fawzi Nass. Ireland: Tato Key/David Marnane. Hong Kong: Fight Hero/Me Tsui. South Korea: Dolkong/Simon Foster.
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Skoda Superb Specs
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Power: 190hp
Torque: 320Nm
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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.
Specs
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White hydrogen: Naturally occurring hydrogen
Chromite: Hard, metallic mineral containing iron oxide and chromium oxide
Ultramafic rocks: Dark-coloured rocks rich in magnesium or iron with very low silica content
Ophiolite: A section of the earth’s crust, which is oceanic in nature that has since been uplifted and exposed on land
Olivine: A commonly occurring magnesium iron silicate mineral that derives its name for its olive-green yellow-green colour
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