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................................................................................................ 42 B.2 (a) Specific requirements concerning skills, knowledge and expertise ................................... 42 B.2 (b) Process for assessing fitness and propriety ...................................................................... 44 B.3 Risk management system including the own risk and solvency assessment ..................... 45 B.3 (a) Description of risk management system (strategies, processes and reporting procedures) 45 B.3 (b) Implementation and integration of the risk