The 2012 winners of the Indian Premier League, Kolkata Knight Riders, take on first-time finalists Kings XI Punjab in the last match of the seventh edition of the Twenty20 competition on Sunday night. Here is a look at the past five title clashes of cricket’s richest tournament.
2013
Mumbai beat Chennai by 23 runs
Chennai Super Kings arrived in Kolkata deflated after a part-owner was arrested on charges of illegal betting. But it took a special knock – 60 off 32 balls – from Kieron Pollard for Mumbai Indians to thrash their arch-rivals, who scored 125 for nine in response.
2012
Kolkata beat Chennai by five wickets
Little-known Manvinder Bisla chose the perfect occasion to introduce himself to the world – in a title clash – with a brilliant 89, with Kolkata Knight Riders chasing an imposing 191 set by the home team.
2011
Chennai beat Bangalore by 58 runs
A 159-run first-wicket stand between Murali Vijay, (95) and Michael Hussey (63) ensured hosts Chennai posted 205 for five. Once Chris Gayle was bowled out for 10 by Ravichandran Ashwin, it was game over for Royal Challengers Bangalore.
2010
Chennai beat Mumbai by 22 runs
Suresh Raina anchored Chennai’s innings with 57 before the hosts and form side, Mumbai, lost their cool in the chase for 169. Poor shot-selection and an ill-conceived plan to bat Pollard at No 8 did not help them.
2009
Deccan beat Bangalore by six runs
Bangalore made the right call to field first as Anil Kumble bowled Adam Gilchrist for a duck. But Deccan Chargers batted sensibly to get 143 on the board before Pragyan Ojha took three wickets to help them to a famous victory in Johannesburg.
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The specs: 2018 Audi RS5
Price, base: Dh359,200
Engine: 2.9L twin-turbo V6
Transmission: Eight-speed automatic
Power: 450hp at 5,700rpm
Torque: 600Nm at 1,900rpm
Fuel economy, combined: 8.7L / 100km
The Perfect Couple
Starring: Nicole Kidman, Liev Schreiber, Jack Reynor
Creator: Jenna Lamia
Rating: 3/5
THE%20HOLDOVERS
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MATCH INFO
Uefa Champions League semi-final, first leg
Bayern Munich v Real Madrid
When: April 25, 10.45pm kick-off (UAE)
Where: Allianz Arena, Munich
Live: BeIN Sports HD
Second leg: May 1, Santiago Bernabeu, Madrid
Test
Director: S Sashikanth
Cast: Nayanthara, Siddharth, Meera Jasmine, R Madhavan
Star rating: 2/5
Real estate tokenisation project
Dubai launched the pilot phase of its real estate tokenisation project last month.
The initiative focuses on converting real estate assets into digital tokens recorded on blockchain technology and helps in streamlining the process of buying, selling and investing, the Dubai Land Department said.
Dubai’s real estate tokenisation market is projected to reach Dh60 billion ($16.33 billion) by 2033, representing 7 per cent of the emirate’s total property transactions, according to the DLD.
NO OTHER LAND
Director: Basel Adra, Yuval Abraham, Rachel Szor, Hamdan Ballal
Stars: Basel Adra, Yuval Abraham
Rating: 3.5/5
'Midnights'
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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.
A Bad Moms Christmas
Dir: John Lucas and Scott Moore
Starring: Mila Kunis, Kathryn Hahn, Kristen Bell, Susan Sarandon, Christine Baranski, Cheryl Hines
Two stars
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