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Your chance to catch up on ALARM learning and events. Access recordings of our webinars and online sessions, as well as presentations from our events.
Modern methods of construction (MMC) encompass a wide range of constructions and they have been becoming more widely used. As forensic investigators of fires, explosions, water escapes and other incidents, Burgoynes often encounter MMC in our investigations. Dr Neil Sanders, Partner at Burgoynes discusses some of the more common risk issues with MMC, and provides top tips on how to address some of these risks.
Following Aon’s article published 15 February and the subsequent Queen’s Speech which introduced the draft Protect Duty Bill, Scott Bolton, Director Business Development & Network Relations at Aon, explores what this means for owners and operators of publicly accessible land and how they should prepare. He reviews practical considerations including risk assessment and risk mitigation strategy as well as potential impacts on insurance cover.
Laura Laws, Client Executive and Julia Reffell, Managing Director at Marsh explores how rising inflation is impacting insurance, as well as providing guidance on how to understand issues and your responsibilities.
May 2022 saw the publication of two landmark reviews of children’s services and safeguarding. One was a response to two tragic child deaths. The other was the result of a manifesto commitment to review children’s services from top to bottom, and propose radical reform. The ball is now in the Government’s court to respond, and take the recommendations of these reviews forward. Chris Webb-Jenkins, the national lead on Safeguarding and Social Care at Weightmans, explores these reports, explaining their scope, their findings and their recommendations. He considers the lasting impact of these two reviews that have set the agenda for the reform of children’s services for years to come.
Experts from DAC Beachcroft discuss common claims against schools focusing on assaults, playground accidents, restraint and deprivation of liberty, and bullying.
The COVID-19 pandemic has been the most significant challenge the healthcare system has faced in a generation. The NHS faces significant risks that threaten its ability to recover and renew services for the future but there are also reasons for optimism. Andrew Gibson, Chief Risk Officer at NHS Greater Glasgow and Clyde looks back at the initial response to the pandemic, how those early risks were managed and how remobilisation and recovery planning is now focusing on post-pandemic risks and opportunities.
Cyrille Rouzier, Senior Account Engineer at AIG, discusses the high number of false alarms that mobilise fire and emergency response services, the negative impact on the system and steps you can take to minimise these false alarms.
Paul Willis, Motor Risk Consultant at Zurich Resilience Solutions, provides an overview of the key changes to the Highways Code, with particular emphasis on liability and potential claims.
A team of experts from Kennedys provides a Scottish legal update. Louise Houliston, Legal Director, explores compulsory pre-action protocol rules and one-way cost shifting. Rory Jackson, Partner, provides an update on the Scottish Redress Scheme. Daniela Fusi, Partner, provides a disease litigation roundup.
Ashley Easen, Director - Risk Control at Risk Management Partners, provides tops tips on preparing and delivering virtual training and workshops.
Campbell Moffat, Programme Manager at Police Scotland, shares insight into Police Scotland's approach to capturing and developing organisational learning from the delivery of police support for COP26 in November 2021.
Roger Bishop and Asena Natha, Principal Associates at Weightmans, explore councils' duty to maintain highway surfaces and drainage systems. They provide top tips on practical measures that can be taken to reduce potential liabilities.
Jane Cooper, Risk & Business Continuity Team Leader at Shropshire Council, and Sonal Devani, Risk Management Manager at Leicester City Council, discuss council financial resilience, recovery and response planning in relation to COVID-19.
Laura Broadhead and Joanne Mulvenna, Senior Associates and Alistair Taylor, Trainee Solicitor at Browne Jacobson, explore the impacts of the pandemic on children's and adult social care, regulatory services and highways service delivery.
Andrea Steer, Senior Risk Consultant Health & Wellbeing at Zurich Resilience Solutions, explores the emerging risks following the pandemic and the impacts on employee health and wellbeing. She focuses on work-related stress claims and the impact on the future claims landscape.
Tim Smith, Partner at Forbes Solicitors, reviews the legal duties and responsibilities of public service organisation in dealing with tree-related damages claims. He provides top tips for gathering evidence, claims investigation and the use of expert evidence.
Andrew Caplan and Kate Prestidge, Partners at Plexus Law, join Ashley Easen, Director - Risk Control and Phil Farrar, National Development Director at Risk Management Partners, to discuss the Care Planning, Placement and Case Review Regulations 2021. Andrew and Kate explain the changes and the impact on councils. Ashley and Phil address the associated risk and insurance issues.
Rose McNeil, Solicitor and Paul Tarne, Partner at BLM, provide an overview of the outcome of the consultation and the issues that the proposed Protect Duty seeks to address.
Peter Wake, Partner at Weightmans, considers the present state of the law in the knotty field of data protection claims. He discusses a range of issues including: first response to data breaches and ICO notifications, pre-action protocol, different causes of action that apply, available defences, compensation awards, costs and strategy.
Mark Brannigan, UK Head of Cyber Solutions and Andrew Millard, Public Sector Practice Leader - North at Aon, explore the current cyber insurance market. They discuss the challenges faced by public service organisations.
Stephen Johnson and Jon Tetley, Partners at Plexus Law, provide an overview of the proposed extension to fixed recoverable costs to be brought in later in 2022.
Sarah Rowan, Public Services Segment Manager at Zurich Municipal, provides an update on the risk protection arrangement for schools. She discusses how the ever-changing environment creates new considerations for risk managers seeking to protect local authority maintained schools including: government targets, the pandemic, changing procurement regulations, and rising constructions costs.
Jackie Tims, Senior Implementation Consultant at JCAD, discusses the four main stages of risk maturity from infancy through to the wise adult.
Steve Kuncewicz, Partner at BLM, provides an update on the current landscape of data protection legislation, litigation and where the UK's privacy regime may be heading post-Brexit.
Chris Fletcher and Sally Hancock, Partners at BLM, review areas of concern raised by new models of working. They provide practical tips on tackling work-related stress and dealing with complaints.
Matthew Smith, Partner and Rebekah Tomlinson, Associate Partner at Plexus Law, consider the tort of misuse of private information and how this is effecting blue light services. They review how the courts are approaching the issue of damages and tactical considerations for approaching claims.
George Tabeart, Risk Management Lead at British Transport Police, shares how risk appetite has been successfully established within the British Transport Police. George provides tips on how to adopt risk appetite within your own organisation.
Dr Grant Foster, Managing Director and Alison Goodwin, UK Public Sector Practice Leader at Aon, share the results of Aon's Global Risk Survey 2021.
Dr Avtar Barhey, Practice Leader Chemical at AXA XL, reviews the increased use of glysophates and PFAS and the potential claims and litigation that could impact public service organisations as a result.
Alexander Rose, Director at DWF, provides an overview of what has happened since the UK left the EU and what is likely to happen in the near future.
Anna Bright, Chief Executive at Sustainability West Midlands, provides an overview of the West Midlands Climate Change Risk Assessment and Adaptation Plan which sets out the climate change adapation actions that should be considered for implementation by decision makers in the West Midlands.
A team of experts from Kennedys provides a roundup on hot topics affecting public service organisations. Gary Brankin, Partner, provides an overview of asbestos related claims. David Bywater, Senior Associate, discusses homeworking risks. Cameron Clark, Partner, looks at the potential for personal injury claims arising from exposure to diesel fumes and air pollution. Philippa Craven, Partner, discusses long-COVID.
Sian Evans and Jonathan Mitchell, Partners at Weightmans, explain how employers can protect their staff from developing musculoskeltal disorders. They provide practical advice on managing the risk.
Joelle Nixon, Business Development Manager at Aon, takes an in-depth look at the financial situation of social housing residents, the challenges they face and what can be done to support them.
Steve Kuncewicz and Julian Cox, Partners at BLM, join Ashley Easen, Director - Risk Control and Phil Farrar, National Development Director at Risk Management Partners, to review the risks emerging from returning to work. They discuss data management, employment law, and some of the unintended consequences of the pandemic.
Matt Didlick, Client Executive at Marsh, explores the real-life implications of dealing with contractors and designers who have restrictive cover on their professional indemnity poicies, and what that means for the developer.
Saddaf Kiani, Risk Lead in the Government Finance Function's Risk Management Centre of Excellence and Jo Collins, Chief Risk Officer at the Ministry of Justice, provide an overview of risk management in central government. They focus on innovation and change being driven by the Risk Management Centre for Excellence, established in 2019 to provide guidance and support to the civil service risk community.
Roger Lye, Risk Control Consultant at Risk Management Partners, discusses the benefits, activities, roles and risks that arise from volunteering. He also considers the duty of care and criminal duty to protect volunteers.
Scott Bolton, Director at Aon Commercial Risk Solutions, Henry Coates, Associate Director - Intellectual Property Solutions and Simon Johnson, Director, Environmental Services Group at Aon, provide bitesize sessions on: environmental risks, law and insurance, IP insurance in an intangible world, and civil unrest.
Anthony Baker, Partner at Plexus Law, explores how the social care sector has been impacted by the pandemic and the potential causes for future civil claims.
An insurance panel debate featuring Brian Hughes, Risk & Insurance Consultant at Zurich Municipal, Ruth Kydd, Insurance Manager at City of Edinburgh Council and Douglas Mathers, Finance Officer at South Lanarkshire Council.
Inspector Mo Boyle from Police Scotland, provides an insight into the Scottish Women's Development Forum, a staff association within Police Scotland. Mo shares some of the progress and change the Forum has championed.
John Campbell, Business Manager Financial Inclusion at North Lanarkshire Council, reviews the economic and social impact the pandemic has had on inquality and poverty in North Lanarkshire, and how the Council has responded.
Laura McIntyre, Head of Policy and Commissioning at Renfrewshire Council, shares insight into the Council's Social Renewal Plan which sets out the forward approach to support pandemic recovery.
Helen Laight, Associate at DAC Beachcroft, shares practical guidance on identifying fraudulent claims and investigations. She discusses issues to be aware of when defending suspected fraudulent claims including a brief overview of relevant legislation.
Kelly Lovelock, Insurance Manager at Newcastle University, shares her learnings following a cyber attack in 2020. She also shares the plans the University has implemented to mitigate future risks.
Ruth Kydd, Insurance Manager at City of Edinburgh Council, shares her experience of managing a team remotely while living overseas for two years. She highlights her approach to communications, technology and wellbeing.
Sarah Erwin-Jones, Partner at Browne Jacobson and Paul Stagg, Barrister at 1 Chancery Lane, provide top tips on managing failure to remove claims and preventing a drain on your resources.
Phil Farrar, National Development Director at Risk Management Partners, looks at the importance of risk management in helping an organisation manage its total cost of risk.
Paul Feltham, Senior Risk Engineer at Zurich Resilience Services and Richard Wood, Head of Sales at Zurich Municipal, explore the fundamentals of property risk management including: risk improvement actions, unoccupied properties, waste challenges, schools portfolios, and the importance of accurate sums insured.
Alison Goodwin, UK Public Sector Practice Leader at Aon, Ruth Kydd, Insurance Manager at City of Edinburgh Council, and Matthew Selby, Assistant Director - Corporate Services at Jigsaw Homes, share their top ten practical tips to help make your next insurance tender a success.
Mark Sangster, Executive Director Public Sector at Gallagher, highlights some of the fundamental terms and legal doctrines that will help in future conversations when discussing or procuring insurance.
James Fawcett, Partner and Hannah Payne, Associate at Browne Jacobson, consider proposed changes, compliance with statutory duties and potential risks facing public service organisations. They explore: the Environment Bill 2021, air pollution, biodiversity, climate change, risks and potential liabilities.
David Mayor, Partner at Forbes Solicitors, reviews how the physical and psychological components of stress and other similar work injuries develop and manifest. He also considers the legal elements of psychiatric injury claims.
Simon Johnson, Partner at DWF Law, discusses Nash v Hertfordshire County Council 2020 and the tactics and strategies for increasing the prospects of a successful defence to such claims.
Shireen Walton, Positive Psychologist from Bee Resilient, discusses personal and emotional issues we have faced during the pandemic and provides top tips on how we can overcome them.
Phil Farrar, National Development Director and Selina Walkley, Client Director at Risk Management Partners, consider how the pandemic has impacted on equality, diversity and inclusion models and processes.
Audrey Gilding-de Kort, Diversity & Inclusion Manager at Devon and Somerset Fire and Rescue Service, addresses the relevance of diversity and inclusion for risk management.
Sarah Dodd, Partner at DAC Beachcroft, provides an overview of Ash Dieback and the potential claims that can arise from damage caused by the fungal disease.
James May, Engineer and Matthew Suddards, Fire Investigator at Burgoynes, provide an overview of fires caused by maintenance work on buildings and maintenance of plumbing systems.
Anne Norrie, Scotland Regional Manager and Alan Ross, Insight Consultant at Zurich Municipal, share lessons learnt from Zurich's response to the pandemic.
Graeme Mackenzie, Community Safety and Resilience Service Manager at Dundee City Council, constructively challenges traditional approaches to business continuity planning, while providing a forward look to how they may be enhanced as we move out of the pandemic.
Iain Jeffrey, Sergeant at Police Scotland, provides a multi-agency planning perspective on dealing with concurrent events. Iain shares an insight into the work understaken by the Scottish Resilience Partnership Concurrency Sub-Group which includes the national assessment of preparedness.
Sally Hancock and Natalie Puce, Partners at BLM, discuss the inquest into the death of Ella Kissi-Debrah, the coronial process, and the recent case of R v Maughan 2020.
Chris Webb-Jenkins, Partner at Weightmans, reviews liability cases that will impact the legal landscape faced by public service organisations in 2021.
Sonal Devani, Risk Management Manager and Martin Halse, Business Resilience Manager at Leicester City Council, share insight into Leicester's response to the first national and local lockdowns.
Charlotte Le Maire, Partner and Stephen Sadler, Solicitor at DAC Beachcroft, are joined by Malcolm Maycock, Road Safety Consultant at License Bureau and Andrew Drewary, Road Safety and Collision Analyst Consultant from Road Safety Smart, to discuss grey fleet management.
Oliver Jeffs, Senior Consultant Cyber Risk at Aon, provides an introduction to the cyber loop to help you understand where you are on your cyber journey, and how you can reduce or manage any vulnerabilities you might be facing.
Matthew Hardwick, Risk Consultant at Zurich Municipal, provides top tips on how to effectively scan the horizon to inform future resilience planning, and to ensure your organisation is prepared to handle emerging risks.
Joanna Manthorpe, Senior Corporate Affairs Lawyer and Deborah Newberry, Corporate Affairs Director at Kennedys, provide a current affairs legal update with particular focus on COVID-19 and Brexit.
Adrian Bloor, UK Claims Director and Phil Farrar, National Development Director at Risk Management Partners, review the pandemic impacts on different policy lines including: school journey, property, and liability covers.
Emma Bowens and Thomas Jordan, Partners and Anjali Sharma, Legal Director at DAC Beachcroft, look at the longer-term impacts of COVID-19 including: vaccinations, long-COVID, employers' liability claims due to homeworking, regulatory and criminal sanctions, and discrimination claims.
Tim Toulmin, Managing Director at Alder Media and James Jevon, Senior Associate at DWF Law, provide helpful insight into crisis management framework and steps to take to manage litigation risk from a health & safety perspective. They also share top tips on what to include in a crisis communications manual and the all-important first statement.
James Crask, Head of Resilience Advisory at Marsh, provides an overview of lessons learnt from public sector pandemic response.
Matt Didlick, Client Executive at Marsh, reviews the current hard market, how long it will last and the factors that effect it. He also discusses the effect on supply chain management and provides top tips on how to mitigate the risk.
Phil Farrar, National Development Director at Risk Management Partners, provides an overview of three key areas of insurance: school journey and pandemic claims, crime, and directors and officers cover.
Ashley Easen, Director - Risk Control at Risk Management Partners, discusses the steps to take to build a project risk register and how to evaluate different risk identification techniques.
Andrew Drewary, Road Safety and Collision Analyst Consultant at Road Safety Smart discusses incident investigations.
Charlotte Le Maire, Partner and Stephen Sadler, Solicitor at DAC Beachcroft, are joined by Andrew Drewary, Road Safety and Collision Analyst Consultant at Road Safety Smart, to discuss driver health.
Davina Lonsdale, Chartered Insurer at Zurich Municipal, discusses the causes of fire and provides top tips on how to prevent them. She explores how fire loss impacts individuals, communities and organisations.
Stephen Sadler, Solicitor at DAC Beachcroft, is joined by Karen Crispe, Commercial Director at Convey Technology and Andrew Drewary, Road Safety and Collision Analyst Consultant at Road Safety Smart, to discuss in-vehicle technology.
Stephen Sadler, Solicitor at DAC Beachcroft, is joined by Andrew Drewary, Road Safety and Collision Analyst Consultant at Road Safety Smart and Lesley O'Brien, Managing Director at Freight Train, to discuss bridge strikes.
Kate Hemstock, former Interim Head of Analytics at Derbyshire Constabulary, provides an overview of the work being undertaken with Her Majesty's Inspectorate of Constabulary, Fire and Rescue Services and police forces to develop a MoRiLE model that forces can use to support the production of force management statements.
Charlotte Le Maire, Partner and Stephen Sadler, Solicitor at DAC Beachcroft, are joined by Andrew Drewary, Road Safety and Collision Analyst Consultant at Road Safety Smart and Dr David Lee, Clinical Director at Sleep Unlimited, to discuss the risks of sleeping and driving.
Charlotte Le Maire, Partner and Stephen Sadler, Solicitor at DAC Beachcroft, are joined by Andrew Drewary, Road Safety and Collision Analyst Consultant at Road Safety Smart, to discuss the risks of using mobile phones while driving.
Stephen Sadler, Solicitor at DAC Beachcroft, is joined by Daniel Jones, Training Manager at D.tec International and Andrew Drewary, Road Safety and Collision Analyst Consultant at Road Safety Smart, to discuss managing drugs and alcohol at work.
Alan Ross, Insight Consultant at Zurich Risk Engineering, explains what horizon scanning is and provides practical techniques to help your organisation anticipate and prepare for longer-term risks.
Phil Farrar, National Development Director at Risk Management Partners, discusses how the world of contractual risk has changed since COVID-19.
Johnty Mongan, Cyber Risk Consultant at Gallagher, explains how hackers can access your organisation's cyber systems and provides top tips on how to mitigate potential cyber risks.
Alan Ross, Insight Consultant at Zurich Risk Engineering, explores some of the emerging risks for public service organisations in Scotland.
Ashley Easen, Director - Risk Control and Phil Farrar, National Development Director at Risk Management Partners, conduct a risk survey with delegates and discuss the results in real time.
Ashley Easen, Director - Risk Control at Risk Management Partners, explores lessons learnt from COVID-19, the temporary changes that will remain and the challenges to come.
Rory Jackson, Partner at Kennedys, provides an overview of the Scottish Redress Scheme. He explains how it will operate and discusses the potential impacts on organisations affected by historic abuse.
Sarah Bradley and Caroline Elson, Senior Associates, and Alecia Pinkerton, Solicitor at Langleys, are joined by Nikhil Arora, Philip Godfrey and Clare Haddon, Barristers at Ropewalk Chambers, to present a mock trial on a personal injury claim brought by an employee of a council.
Charlotte Le Maire, Partner and Stephen Sadler, Solicitor at DAC Beachcroft, are joined by Andrew Drewary, Road Safety and Collision Analyst Consultant at Road Safety Smart, to discuss driver safety and responsibility.
Charlotte Le Maire, Partner and Stephen Sadler, Solicitor at DAC Beachcroft, are joined by Andrew Drewary, Road Safety and Collision Analyst Consultant at Road Safety Smart and Mike Colborne, Health & Safety Advisor at Tarmac Cement, to discuss vulnerable road users.
Phil Farrar, National Development Director at Risk Management Partners, explores the growth in public service commercialisation and outlines the potential legal and insurance risks that could arise.
Hugh Morris, Risk Management Consultant at Gallagher, provides a basic introduction to business continuity management.
A team of experts from Forbes Solicitors explore key areas to consider when planning post-lockdown life. Elizabeth Bower, Partner, discusses highways claims. Kella Bowers, Head of Abuse and Social Care, explores potential claims that could be brought against children's and adult social care providers. Darren Burton, Head of Housing Consultancy Service, discusses how social housing providers have managed anti-social behaviour issues during lockdown. Laura Cieplak, Director of People and Organisational Performance, discusses restructure and service reviews.
Anja Beriro and Andy Hopkin, Partners at Browne Jacobson, explore the impacts of COVID-19 on public service delivery and operations. They discuss: remote working, supporting vulnerable citizens, impacts on decision-making, prioritising services and changing job roles, premises and operations, enforcement powers and expectations of public service organisations.
Alistair Dornan, Director, People Experience at Gallagher, uses research and live client case studies to demonstrate the common steps successful organisations have implemented to navigate their post-COVID-19 landscape.
Alix Bedford, Risk Proposition Manager at Zurich Municipal, explores the climate and sustainability landscape and provides top tips on how your organisation can embed climate resilience into your plans now and into the future.
Martin Brown, Associate, Suzanne Milne, Partner and Jeff Turton, Principal Associate at Weightmans, share their predictions for future fraud claims arising from COVID-19 and provide top tips to detect and defend against fraud claims.
Matthew Atwell, Associate and Ben Morris, Head of Employee Relations at DAC Beachcroft, provide top tips on creating a happy and productive workforce and how to mitigate potential risks.
Mark Witte, Head of Health & Risk Consulting at Aon, provides a rounded view of the contemporary drivers behind the recent surge in workplace wellbeing up the corporate agenda.
Phil Farrar, National Development Director at Risk Management Partners, explores risk and insurance considerations in the move towards greater agile working.
Andrew Steel, Partner at Plexus Law, analyses three important areas relating to civil actions against the police, including: the use of automated facial recognition technology (Bridges v South Wales Police 2020), qualified one-way cost shifting (Brown v Commissioner of Police of the Metropolis & The Chief Constable of Greater Manchester Police 2019) and the assumption of responsibility between caller and call handler (Sherratt v Chief Constable of Greater Manchester Police 2018).
Shireen Walton, Positive Psychologist from Bee Resilient, explains the science behind stress and the impact it has on our physical and emotional wellbeing. She offers interventions that have been scientifically proven to heal and develop neural pathways in our brains, allowing us to become adaptive and agile in our behaviour.
Phil Farrar, National Development Director at Risk Management Partners, considers the causes, costs and patterns of material damage and business interruption claims for blue light services.
Catherine Souter, Barrister at Parklane Plowden Chambers, discusses claims including: claims for infection arising from negligent exposure, failure to provide PPE, physical and psychological injury arising out of re-allocated or additional duties, and claims for occupational stress and harassment.
Rory Jackson and Helen Snowball, Partners at Kennedys, provide an update on Scotland's Redress Scheme.
Ollie Dent, Partner at Kennedys, explores the impact of COVID-19 on cyber risk.
Alex Estcourt, Associate, Vicky Strathern and Mandy Williams, Senior Associates at Kennedys, discuss the impacts of COVID-19 on employers' and public liability.
Gabriel Fay, Partner at DWF, explores the risks and potential claims that can arise from tree subsidence.
Katherine Totty, Partner at Kennedys, discusses the impacts of COVID-19 on fraud.
Louise Bedford, Joy Middleton and Kathryn Oldfield, Partners at Kennedys, explore the impacts of COVID-19 on education.
Rob Ashurst, Senior Associate, Chris Hale and Mandy Williams, Associates at Kennedys, explore the impacts of COVID-19 on defective premises and repairs.
Danny McShee, Partner at Kennedys, explores the impacts of COVID-19 on care homes.
Daniel Couldrey, Associate, Kathryn Oldfield, Partner and Vicky Strathern, Senior Associate at Kennedys, explore the rise in volunteers as a result of the pandemic and how to manage the health & safety of volunteers in a crisis.
Steven Elliot, Associate and Mandy Williams, Senior Associate at Kennedys, explore how highways maintenance has been effected by COVID-19.
David Mayor, Partner at Forbes Solicitors, provides an update on essential COVID-19 protection measures for owners and operators of construction sites.
Ben Standing, Senior Associate at Browne Jacobson, explores the environment targets the UK Government has set. He also discusses the the Environment Bill 2020 and how this will impact public service organisations on a local level.
Matthew Hyam, Partner at BLM, provides an introduction to the Act and what it means for the housing sector.
Andrew Millard, Public Sector Practice Leader - North and Paul Ramiz, Director Reinsurance at Aon, discuss weather risk management. They share top tips on actions councils can take to mitigate and minimise risks and impacts on business continuity.
Carl Dunckley, Risk Consulting Manager at Risk Management Partners, explores relevant supply chain standards and legislation and offers practical advice on resilience management.
Alan Ross, Insight Consultant at Zurich Risk Engineering, discusses how to setup and run a successful risk workshop, outlines some of the challenges and pitfalls to avoid and encourages you to think about your facilitation style.
If you have a specific query, why not contact a member of our office team directly? We will be pleased to assist you - whatever your question.