Buffalo Hill (Hong Kong) can be identified by its uniquely shaped Buffalo's head peak. Eight valleys associated with six streams lie around the slope of the hill. The biggest stream and valley flows along the north-eastern slope of Buffalo Hill and into the Shing Mun River. The entire hill is composed of exposed basalt rock, with some smaller granite deposits also present. The peak of Buffalo Hill is covered by grass and small shrubs, while the valleys are lush with forests. Different types of grass, including Couch grass, Bermuda Grass, Manila Grass and annual bluegrass, grow on the slopes of the hill, while the
Bermuda Form Bermuda Form The term Bermuda Form refers to various types of insurance policies. In the 1980s, American companies found it increasingly difficult to buy large amounts of casualty (liability) insurance, partly because American courts interpreted policies in ways which gave coverage to policyholders which was wider than the insurers had anticipated, causing insurers large losses particularly in relation to asbestos and pollution. To meet the needs of corporate insurance buyers, new insurance companies were set up in Bermuda, notably ACE, XL, and Starr Excess Casualty. Each of these insurers produced its own standard-form policy (which has been revised and re-issued