Hi Will,

couldn't contact you via your hotmail account, so I thought I'd try your this option.It's looks like your having a great time in NZ. I'm not sure hwo things were left when I departed Dunedin, I had a gentlemans agreement with them that if I left I could take my clients with me, but it seems they were less that honourable, however thats with the lawyers now.

Just to say that if your in Edinburgh i would welcome the opportunity to catch up, and buy you lunch. I don't know waht you decided to do with your pension fund but it seemed that things were getting confused.

The Met life option was an excellent deal and a great method of protecting your capital( which has been vindicated with recent and contiued market volatility), hopefully you've been in cash or someother guaranteed fund. I remeber that you usually require some capital in August.

Let me know if your back in Edinburgh, I'd like to clear up any issues, if there are any.

All is going well in my new position with Moneygate,we'ved just secured £20 m funding and working towards a stock market float, all verty commercial and exciting.

best wishes and happy sailing

Michael