A serendipitous meeting more than 10 years ago between a telecoms titan and a former Vietnamese refugee at Hong Kong's exclusive Causeway Bay yacht club sowed the seeds for an insurance company that today covers against risks in seven countries along the ancient Silk Road. Richard Li Tzar-kai, the chairman of Hong Kong's telecoms group PCCW and the younger son of the city's wealthiest man, Li Ka-shing, said at the time that he wanted to marry the "two loves" - the internet and e-commerce, as wel