On 8 April 2010, the Committee of European Insurance and Occupational Pensions Supervisors (CEIOPS) published further advice to the European Commission on Solvency II. This concerned minimum capital requirements and the underwriting of non-life and health insurance risk. In its advice, CEIOPS stressed the importance of a harmonised European approach to these areas, and pointed out that further work was required in this regard. On 16 April 2010, the European Commission published for consultation (1) draft technical specifications for its fifth Solvency II quantitative impact study (QIS5) and (2) a 'Draft Call for Advice from CEIOPS'. The Commission has has made a number of significant modifications to the draft technical specifications based on previous advice from CEIOPS, including changes to technical specifications on (a) standard formula, (b) own funds and (c) groups.