Federer returns to Robin Soderling during his eventual loss that stopped his run of 23 straight semi-final appearances.
Federer returns to Robin Soderling during his eventual loss that stopped his run of 23 straight semi-final appearances.

Top-ranked FedEx packed off in quarters



First Nadal, now Federer. Lightning does strike twice at Roland Garros as Robin Soderling marches on in his role as French Open king-slayer. Twelve months after the fierce hitting Swede had caused one of the biggest tennis sensations in years by bringing down the undisputed King of Clay, Rafael Nadal, with a remarkable quarter-final performance, he produced an even better display to wreck the burning career ambition of Roger Federer.

Federer, the world No 1 who is desperate to add an elusive Calendar Grand Slam (winning all four major championships in the same year) to his enormous collection of honours, had no answer to the power and determination of his fifth-seeded rival in a thrilling encounter which was twice interrupted by bad weather which has been a lingering nuisance at this showpiece event. The two rain breaks seemed to have a greater effect on the highly experienced Federer than the steadily improving Soderling, who confirmed his status as a genuine top-10 player by finally finding a way to overcome Federer at the 13th time of asking.

Still smarting from his straight sets defeat by Federer in last year's final and subsequent painful high profile defeats by the world No 1 at Wimbledon and Flushing Meadows, Soderling refused to buckle as pressure intensified approaching the denouement. As more rain threatened to spoil his impending moment of glory, he held his game together impressively to complete his fantastic 3-6, 6-3, 7-5, 6-4 triumph in two-and-a-half hours.

An elated Soderling told the shivering Court Philippe Chatrier crowd: "It can't get any better than this. To beat the world No 1 in this arena two years running is a wonderful feeling. I've been playing well throughout the tournament but I felt I played my best tennis today." For added measure, the defeat brings a halt to Federer's phenomenal run of 23 consecutive grand slam semi-final appearances.

Federer is at his most vulnerable on clay as his record over the last decade indicates. Only one of his 16 grand slams have been won at Roland Garros but after laying that ghost to rest in the absence of his nemesis Nadal a year ago, the Swiss master was at least expected to book another date with the Spaniard to settle the destiny of the coveted prize on Sunday. That privilege may now go to Soderling who went all the way to the final 12 months ago after his epic win over Nadal. The world No 2, well short of peak fitness on that occasion, is back to his imperious best now and will be confident of avenging that disappointment if the opportunity arises on Sunday.

Nadal will be almost as pleased as Soderling at the premature exit of Federer. Even though Nadal has enjoyed an emphatic 14-7 dominance - 12 of them in finals - over his chief rival in their previous meetings, his chances of winning his favourite tournament for a fifth time in six years are now significantly greater. To keep alive hopes of a Roland Garros rematch with Nadal, Soderling must first overcome Tomas Berdych of the Czech Republic. The 15th-seeded Berdych, who ousted Britain's dual grand slam finalist Andy Murray in the fourth round, enjoyed an unexpectedly facile passage in yesterday's other quarter-final.

Russia's Mikhail Youzhny, ranked above him and seeded 11th, hardly got going as Berdych effortlessly carved out his 6-3, 6-1, 6-2 victory and he, too, will be glad that Federer has been removed. Yesterday's was Federer's seventh defeat of a season which is not yet halfway through. The Swiss, who became a father of twin girls between winning his sixth Wimbledon title and fifth US Open crown last year has paid the price for trying to cherry-pick his titles.

Another Paris let-down, however, is unlikely to deflect him from his mission of going further clear in the all-time list of grand slam titles by capitalising on his love for the grass of Wimbledon later this month. @Email:wjohnson@thenational.ae

Tuesday's fixtures
Group A
Kyrgyzstan v Qatar, 5.45pm
Iran v Uzbekistan, 8pm
N Korea v UAE, 10.15pm
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.

Like a Fading Shadow

Antonio Muñoz Molina

Translated from the Spanish by Camilo A. Ramirez

Tuskar Rock Press (pp. 310)