CIVIC LANE Dutch insurers remain cautious about financing the Netherlands' defence expansion even as the country plans to raise military spending toward 3.5 percent of GDP by 2035. Insurers managing hundreds of billions of euros say they need better transparency and investment structures before committing more capital. The dispute matters because governments increasingly want private finance to help expand Europe's defence-industrial capacity. Investors, taxpayers and security planners may disagree over how much risk private institutions should carry. The story invites a choice among several ways to mobilize long-term capital for defence.