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      =
href=3D"http://www.sii.org.uk/crm/siirevie.nsf/home_new?openform&amp;issu=
e_id=3D07628115F113862E802576C4005612FC">February=20
      2010</A></TD>
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      =
href=3D"http://www.sii.org.uk/crm/siirevie.nsf/cover_new?openform">HOME</=
A></TD></TR></TBODY></TABLE><BR>
<TABLE=20
style=3D"BORDER-BOTTOM: #004d55 1px solid; POSITION: absolute; =
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  <TR height=3D10 vAlign=3Dtop align=3Dright>
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&nbsp;|&nbsp; <A=20
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      href=3D"http://www.sii.org.uk/crm/coral.nsf/wsearch?openform"=20
      target=3D_blank>CISI INFOLINK</A> &nbsp;|&nbsp; <A =
class=3Dtop_links=20
      title=3D"SII CPD Logging" =
href=3D"http://www.secinst.co.uk/cpdlogging"=20
      target=3D_blank>CISI CPD SCHEME</A> &nbsp;|&nbsp; <A =
class=3Dtop_links=20
      title=3D"SII Jobs Online"=20
      href=3D"http://www.sii.org.uk/crm/jobsonline.nsf/jo_home?openform" =

      target=3D_blank>JOBS ONLINE</A> </TD></TR></TBODY></TABLE></P>
<DIV=20
style=3D"POSITION: absolute; BORDER-BOTTOM-STYLE: none; =
BORDER-RIGHT-STYLE: none; WIDTH: 200px; BORDER-TOP-STYLE: none; =
BORDER-LEFT-STYLE: none; TOP: 140px; LEFT: 8px">
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CC5BB393802576C50036EF7B?editdocument">
      <DIV class=3Dcontent_b_title>THE FRUITS OF =
BANKING</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro>The cases for and against =
banking=E2=80=99s social=20
      worth</DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
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    =
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  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro>Will the bonus tax cause a brain =
drain to=20
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  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
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      <DIV class=3Dcontent_b_title>EARLY LEARNING</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro>UCAS accreditation for its =
introductory=20
      qualification puts the CISI on the secondary education =
map</DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
  <TR>
    <SCRIPT>if(old_block!=3D"MEMBERS' =
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    <TD class=3Dcontent><A class=3Dcontents_link=20
      =
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      <DIV class=3Dcontent_b_title>SENT IN ERROR</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro>Who should take the rap for an =
outsource=20
      provider=E2=80=99s administrative error?</DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
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width=3D190=20
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    <TD class=3Dcontent><A class=3Dcontents_link=20
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    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
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      2010</DIV></A></TD></TR>
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    <TD class=3Dcontent>
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      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
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    <TD class=3Dcontent>
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href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/articlesbyunivid/Z09B81C59=
32FD6D47802576C500518C3E?editdocument">
      <DIV class=3Dcontent_b_title>CRIPS WIN QUIZ</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro></DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
  <TR>
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    <TD class=3Dcontent><A class=3Dcontents_link=20
      =
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73324D85802576C50051E987?editdocument">
      <DIV class=3Dcontent_b_title>BACK STORY</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro></DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
  <TR>
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  <TR>
    <TD class=3Dcontent><A class=3Dcontents_link=20
      =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/articlesbyunivid/Z542BC6A9=
F09A7655802576C500524E04?editdocument">
      <DIV class=3Dcontent_b_title>ASK THE EXPERTS</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro>James Green, Senior associate at =
Hunton &amp;=20
      Williams, explains what the new FSA liquidity risk regulatory =
regime=20
      means</DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
  <TR>
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  <TR>
    <TD class=3Dcontent><A class=3Dcontents_link=20
      =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/articlesbyunivid/Z6ACBF62C=
1592C6D4802576C50052768A?editdocument">
      <DIV class=3Dcontent_b_title>NEW ACCREDITATION ROUTE IN=20
    SINGAPORE</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro></DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
  <TR>
    <SCRIPT>if(old_block!=3D"MEMBERS' =
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  <TR>
    <TD class=3Dcontent><A class=3Dcontents_link=20
      =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/articlesbyunivid/Z86871FAE=
FE7AAF87802576C500531121?editdocument">
      <DIV class=3Dcontent_b_title>QUICK QUIZ: TEST YOUR INDUSTRY=20
      KNOWLEDGE</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro></DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
  <TR>
    =
<SCRIPT>if(old_block!=3D"REGULARS"){if(old_block!=3D''){document.write("<=
tr><td class=3D'content'>&nbsp;</td></tr>")};document.write("<tr><td =
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class=3D'content_b_hdng'>REGULARS</div></td><td =
align=3D'right'>");thisissueshowlocked();document.write("</td></tr></tabl=
e></td></tr>");old_block=3D"REGULARS";};</SCRIPT>

  <TR>
    <TD class=3Dcontent><A class=3Dcontents_link=20
      =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/articlesbyunivid/Z763E7E8D=
60949456802576C50040829E?editdocument">
      <DIV class=3Dcontent_b_title>BANK SCAPEGOATS</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro>The banking industry is being =
unfairly blamed=20
      for spiralling Government debt</DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
  <TR>
    =
<SCRIPT>if(old_block!=3D"REGULARS"){if(old_block!=3D''){document.write("<=
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class=3D'content_b_hdng'>REGULARS</div></td><td =
align=3D'right'>");thisissueshowlocked();document.write("</td></tr></tabl=
e></td></tr>");old_block=3D"REGULARS";};</SCRIPT>

  <TR>
    <TD class=3Dcontent><A class=3Dcontents_link=20
      =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/articlesbyunivid/ZE03471BD=
B5769858802576C5004390C0?editdocument">
      <DIV class=3Dcontent_b_title>THE EXTRA MILE</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro>In the wake of his report on =
corporate=20
      governance, the senior banker presents a blueprint for sustainable =

      investor behaviour</DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
  <TR>
    =
<SCRIPT>if(old_block!=3D"REGULARS"){if(old_block!=3D''){document.write("<=
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class=3D'content_b_hdng'>REGULARS</div></td><td =
align=3D'right'>");thisissueshowlocked();document.write("</td></tr></tabl=
e></td></tr>");old_block=3D"REGULARS";};</SCRIPT>

  <TR>
    <TD class=3Dcontent><A class=3Dcontents_link=20
      =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/articlesbyunivid/Z54BCD2BB=
B0CCD2F1802576C50044884A?editdocument">
      <DIV class=3Dcontent_b_title>RETHINKING SOVEREIGN =
RISK</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro>Christopher Brown-Humes evaluates the =

      likelihood of widespread sovereign defaults this =
year</DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
  <TR>
    =
<SCRIPT>if(old_block!=3D"CPD"){if(old_block!=3D''){document.write("<tr><t=
d class=3D'content'>&nbsp;</td></tr>")};document.write("<tr><td =
class=3D'content_b_hdng'><table width=3D'100%'><tr><td><div =
class=3D'content_b_hdng'>CPD</div></td><td =
align=3D'right'>");thisissueshowlocked();document.write("</td></tr></tabl=
e></td></tr>");old_block=3D"CPD";};</SCRIPT>

  <TR>
    <TD class=3Dcontent><A class=3Dcontents_link=20
      =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/articlesbyunivid/Z895498C0=
D1EDFBCA802576C5003EB934?editdocument">
      <DIV class=3Dcontent_b_title>RESHAPING THE =
FUTURE</DIV></A></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro>A shift to long-term thinking is the =
only way=20
      to solve the industry=E2=80=99s current problems</DIV></TD></TR>
  <TR height=3D4>
    <TD class=3Dcontent></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dleft><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR></TR>
  <TR>
    <TD class=3Dcontent_b_hdng>
      <DIV class=3Dcontent_b_hdng>ARCHIVE</DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D07628115F113862E802576C4005612FC">
            <DIV class=3Dcontent_b_title>FEBRUARY 2010</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('0');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DFE90B4E918C4EE6C8025769D003CD54D">
            <DIV class=3Dcontent_b_title>JANUARY 2010</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('0');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D26C46D426F6096AE802576650052DC1B">
            <DIV class=3Dcontent_b_title>NOVEMBER/DECEMBER =
2009</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('0');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DCCABC8D2F99275098025764100462815">
            <DIV class=3Dcontent_b_title>OCTOBER 2009</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D19B0F41A03A09A458025761F0042C289">
            <DIV class=3Dcontent_b_title>SEPTEMBER 2009</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D6A607A1DBFB73296802575F20047FC23">
            <DIV class=3Dcontent_b_title>JULY/AUGUST 2009</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DCF41739D0FADFDE7802575CC0033E58E">
            <DIV class=3Dcontent_b_title>JUNE 2009</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D6DC1884A4BCE01AA802575A800501AED">
            <DIV class=3Dcontent_b_title>MAY 2009</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D6C9046E79269FACE8025758C003009BD">
            <DIV class=3Dcontent_b_title>APRIL 2009</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DE6D4973C7481CF0C8025756F00465226">
            <DIV class=3Dcontent_b_title>MARCH 2009</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DE04CC0C4EEBA36B380257555003DE8B4">
            <DIV class=3Dcontent_b_title>FEBRUARY 2009</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DCB57E1AD6B2D78058025753200546A5A">
            <DIV class=3Dcontent_b_title>JANUARY 2009</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D4FE9CFADE92F558B8025750B004CBF5C">
            <DIV class=3Dcontent_b_title>NOVEMBER/DECEMBER =
2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D5A38FC6387D6BD4C802574DE0032E630">
            <DIV class=3Dcontent_b_title>OCTOBER 2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D99EB90B891A43A7C802574A60052EE21">
            <DIV class=3Dcontent_b_title>TRAINING SUPPLEMENT - SEPTEMBER =

            2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D158184AFB8D4390D802574A60052BCCA">
            <DIV class=3Dcontent_b_title>SEPTEMBER 2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D7117401BB7CAB851802574810037E1F9">
            <DIV class=3Dcontent_b_title>JULY/AUGUST 2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D980928D66C24B82C80257456005391D0">
            <DIV class=3Dcontent_b_title>JUNE 2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D1CF042CA06F62FB88025742F00497ACD">
            <DIV class=3Dcontent_b_title>MAY 2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D6F2C87B6C441459480257418003FB304">
            <DIV class=3Dcontent_b_title>APRIL 2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DD8ABE5D469BDB367802573F6005B39F8">
            <DIV class=3Dcontent_b_title>MARCH 2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DBA536E48C22FFECC802573E70037D71C">
            <DIV class=3Dcontent_b_title>FEBRUARY 2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DB6045BABA6DE037D802573B5003E5571">
            <DIV class=3Dcontent_b_title>JANUARY 2008</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D64FE5EDCDEA9A6EB8025738400552DC2">
            <DIV class=3Dcontent_b_title>NOVEMBER/DECEMBER =
2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DB7E23CE04798C0CA8025736700533AA7">
            <DIV class=3Dcontent_b_title>OCTOBER 2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DB85081C0D1C624B28025733F003D4499">
            <DIV class=3Dcontent_b_title>TRAINING SUPPLEMENT - SEPTEMBER =

            2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DC06F14F10352F70E8025733E00597553">
            <DIV class=3Dcontent_b_title>SEPTEMBER 2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D066109E11FF07CE18025732A003AB593">
            <DIV class=3Dcontent_b_title>TRAINING SUPPLEMENT - =
JULY/AUGUST=20
            2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DCC2327B27C4586E6802572FF005733A4">
            <DIV class=3Dcontent_b_title>JULY/AUGUST 2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D728F24B5E933BFB6802572E3004FEED4">
            <DIV class=3Dcontent_b_title>JUNE 2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D5B2C6552042886C2802572D000369AC9">
            <DIV class=3Dcontent_b_title>MAY 2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D49354D8FEA697EC7802572B400357C55">
            <DIV class=3Dcontent_b_title>TRAINING SUPPLEMENT - APRIL=20
          2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D80984669CC9AFB0C802572B2005856D6">
            <DIV class=3Dcontent_b_title>APRIL 2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DAAF60F6F1A9F665780257296005CD621">
            <DIV class=3Dcontent_b_title>MARCH 2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3DEDDEDFED03A639BD80257272005387B3">
            <DIV class=3Dcontent_b_title>FEBRUARY 2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D03EE3A3B67D0A5DA802572600037C739">
            <DIV class=3Dcontent_b_title>JANUARY 2007</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D02481C75B8766C3B80257220003C6FF5">
            <DIV class=3Dcontent_b_title>NOVEMBER/DECEMBER =
2006</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D1E6FF0AB10F5F21B802571F700598C2F">
            <DIV class=3Dcontent_b_title>OCTOBER 2006</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
href=3D"http://www.sii.org.uk/crm/SIIRevie.nsf/home_new?openform&amp;issu=
e_id=3D937A20A99E83F03F802571CC004AE76F">
            <DIV class=3Dcontent_b_title>SEPTEMBER 2006</DIV></A></TD>
          <TD align=3Dright>
            <SCRIPT>archiveshowlocked('1');</SCRIPT>
          </TD></TR></TBODY></TABLE></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <DIV class=3Dcontent_b_intro align=3Dcenter><IMG=20
      src=3D"http://www.sii.org.uk/sii/web5/sii_review/system/hr.jpg" =
width=3D190=20
      height=3D1></DIV></TD></TR>
  <TR>
    <TD class=3Dcontent>
      <TABLE width=3D"100%">
        <TBODY>
        <TR>
          <TD><A class=3Dcontents_link=20
            =
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          <TD class=3Darticle_view_title>Reshaping the future
          <TD></TD>
        <TR>
          <TD class=3Darticle_view_standfirst>Only a shift to long-term =
thinking=20
            within the financial sector can bring about permanent =
solutions to=20
            its problems, says Michael Mainelli FCSI
          <TD></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>
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    <TD>
      <P>=E2=80=9CCredit scrunch.=E2=80=9D That=E2=80=99s how Bob =
Giffords and I, co-authors of a recent=20
      discussion paper, term the current financial crisis. Our firm =
conviction=20
      is that there is much more at stake than just recovery from the =
economic=20
      confusion. Scrunch means to crush, crumple or squeeze. We believe =
that=20
      reacting to events with current mindsets could lead to the =
scrunching of=20
      the world economy, but, likewise, that we may need to crush, =
crumple and=20
      throw away traditional thinking about financial markets. We =
can=E2=80=99t fritter=20
      away the opportunity to improve that a crisis affords.<BR><BR>If=20
      short-term thinking got us into this mess, it is unlikely to get =
us out of=20
      it. Yet short-term thinking abounds, with potentially adverse =
consequences=20
      for the speed and surety of recovery. Over the past two years, =
people have=20
      stumbled and bumbled from incident to event to problem to one =
failed fix=20
      after another. <BR><BR><FONT color=3D#9966cc><STRONG>The state =
we=E2=80=99re=20
      in</STRONG></FONT><BR>Harvard=E2=80=99s Professor Niall Ferguson =
noted: =E2=80=9CBy the=20
      end of 2007, 15 megabanks, with combined shareholder equity of =
$857bn, had=20
      total assets of $13.6tn and off-balance-sheet commitments of =
$5.8tn - an=20
      aggregate leverage ratio of 23 to one. They also had underwritten=20
      derivatives with a gross notional value of $216tn - more than a =
third of=20
      the total.=E2=80=9D<BR><BR>Everyone of substance agrees that the =
crunch emerged,=20
      firstly, because money supply growth exceeded GDP for more than =
two=20
      decades, exacerbated by fractional banking leverage that was out =
of=20
      control. Secondly, there was under-saving in the West, largely =
caused by=20
      lying about pension obligations. And, thirdly, there was an=20
      over-concentrated oligopolistic cabal of 15 global investment =
banks, four=20
      auditing firms and three credit rating agencies that reduced =
diversity and=20
      encouraged herd behaviour. But the $9tn spent so far on =
alleviating the=20
      crunch has gone towards radically increasing money supply =
(quantitative=20
      easing), reducing motivation to save and consolidating 12 banks. =
All this=20
      in a desire to return us to 2005: in other words, to run up the =
next=20
      bubble. <BR><BR><FONT color=3D#9966cc><STRONG>Right questions, =
right=20
      answers</STRONG></FONT><BR>The renowned anthropologist Claude =
L=C3=A9vi-Strauss=20
      once concluded: =E2=80=9CThe learned man is not the man who =
provides the correct=20
      responses, rather he is the man who poses the right =
questions.=E2=80=9D The=20
      questions we should be asking are: how would we know when our =
financial=20
      system is working; and what is truly our desired =
outcome?<BR><BR>Sadly,=20
      some common answers are quite short-term: when LIBOR returns to =
normal, or=20
      when things look like 2003 again. A more permanent answer might =
be: when a=20
      20-year-old can safely enter into a financial structure for his or =
her=20
      retirement.<BR><BR>This is a response that raises a host of =
related issues=20
      - it draws in actuaries, accountants, life insurance, savings,=20
      investments, security, fraud, risk, returns and firm defaults - =
and=20
      demands sustainable financing over 75 to 100 years, not just =
quickly=20
      flipping transactions.&nbsp; <BR><BR>Sustainable finance is a =
necessity=20
      that we have not yet been prepared to pay for. The financial =
system, if it=20
      is not broken, is incapable of facing the long-term. The credit =
scrunch=20
      cries out for an organisation that will take a long-term view of =
finance,=20
      and so City of London commercial think-tank Z/Yen, in conjunction =
with=20
      Gresham College, has started one: the Long Finance Institute.=20
      <BR><BR><FONT color=3D#9966cc><STRONG>A new =
map</STRONG></FONT><BR>The=20
      Institute aims to improve society=E2=80=99s understanding and use =
of finance over=20
      the long term. The immediate objective is to establish a body that =
can=20
      ignite global debate on long-term finance, by examining how =
commerce=20
      should enable and encourage environmental and social =
sustainability. Its=20
      iconic project is the Eternal Coin, a global educational =
experience about=20
      the meaning of money as a medium of exchange and a resilient store =
of=20
      value. The aim is to develop a roadmap of the key questions that =
need=20
      resolution over the next 100 years.<BR><BR>While we will =
restructure=20
      research priorities as we progress, Long Finance intends to =
conduct=20
      detailed research in eight thematic areas: long term versus short =
term,=20
      fiscal versus monetary, free versus regulated, selfish versus =
selfless,=20
      mutual versus public-sector versus private-sector, rational versus =

      behavioural, sustainable versus robust versus resilient, and =
theoretical=20
      versus practical.<BR><BR>The near-term objective is to get pilot =
funding=20
      for the next three years, after which the Long Finance Institute =
should be=20
      generating enough value to sustain itself directly. We=E2=80=99ve =
had support from=20
      Willis and the Chartered Institute for Securities &amp; Investment =
(CISI),=20
      among others, and are discussing material foundation sponsorship =
of=20
      research, fellows and scholars with financial centres, sovereign =
funds,=20
      financial information firms and accountancy firms.<BR><BR>Had the =
Long=20
      Finance Institute existed in 1900, I hope it would have challenged =
with an=20
      idea such as: in the future you may be paying for shopping and =
meals with=20
      Bakelite. The Long Finance initiative has already scheduled =
publication of=20
      two commentaries, one on long-term mortgages and another on using=20
      government debt innovatively over decades. Other projects include =
the=20
      economics of harsh climates, the finances of long-lived =
institutions and=20
      valuing abundance as well as scarcity. We=E2=80=99d like to look =
at Eternal Coins=20
      through the ages. What did the Egyptians, Greeks or Romans believe =

      constituted eternal value? &nbsp;<BR><BR><FONT =
color=3D#9966cc><STRONG>The=20
      long view</STRONG></FONT><BR>Once you look through the lens of =
Long=20
      Finance, you realise that many of today=E2=80=99s sustainability =
issues arise=20
      because society=E2=80=99s core risk/reward transfer system =
isn=E2=80=99t yet capable of=20
      handling long-term risk/reward transfers. Financial institutions =
must=20
      affirm the power of competitive markets to make the world a better =

      place.<BR><BR>A key point is that =E2=80=98too big to =
fail=E2=80=99 is too big to=20
      regulate. Regulation creates barriers to entry, promotes the large =
over=20
      the small, reduces competition variation and creates huge risk =
exposure=20
      behind closed doors. Fannie Mae and Freddie Mac, two of the =
biggest=20
      failures of the scrunch, had no competition and enjoyed their own=20
      regulator. =E2=80=98Too big to fail=E2=80=99 is too late. We have =
to stop financial=20
      institutions either getting to that stage or being in that=20
      position.<BR><BR>For example, if we were talking about an internet =
crash=20
      in 2007, say, that saw two billion internet users focused through =
fewer=20
      than 20 nodes - at least two of which crashed, several of which =
wobbled=20
      and all of which were dodgy - our analysis would simply conclude: =
don=E2=80=99t=20
      concentrate on just 20 nodes; break it up.</P>
      <P>Wholesale investment banking is no different. Competition means =
having=20
      companies that can fail. Yes, society wishes to provide a safety =
net for=20
      retail investors and other groups, but that is a separate issue. =
The=20
      religion of regulation works best when it worships at the altar of =

      competition. So I=E2=80=99m betting it=E2=80=99s worth founding a =
Long Finance Institute=20
      for this research.<BR><BR>If you=E2=80=99re interested in finding =
out more about=20
      our work, visit <A href=3D"http://www.longfinance.net/"=20
      target=3D_blank><STRONG>longfinance.net</STRONG></A> . Meanwhile, =
let=E2=80=99s all=20
      keep asking uncomfortable, impertinent questions.<FONT =
color=3D#9966cc>=20
      </FONT><FONT color=3D#9966cc size=3D2=20
      face=3D"wingdings,zapf dingbats">n</FONT><BR></P>
      <P><EM>Michael Mainelli FCSI is a director at Z/Yen =
Limited</EM></P>
      <P><BR><FONT color=3D#9966cc><STRONG>Today=E2=80=99s crisis, =
tomorrow=E2=80=99s=20
      lesson</STRONG></FONT><BR>Michael Mainelli FCSI, co-founder of =
Z/Yen,=20
      wrote discussion paper <EM>The Road to Long Finance: A Systems =
View of the=20
      Credit Crunch</EM> with analyst and consultant Bob Giffords. It =
concludes=20
      that:<BR><BR>=E2=80=A2 =07the scrunch was not a failure of open =
markets but of=20
      highly regulated markets, due to the unexpected consequences of =
regulation=20
      and private decisions<BR>=E2=80=A2 =07the fundamental regulatory =
tool is competition=20
      in open markets. Competition in financial services needs to be =
increased,=20
      not reduced<BR>=E2=80=A2 =07less regulation, enforced within a =
coherent fiscal and=20
      monetary policy framework, is better than more =
regulation<BR>=E2=80=A2 =07until=20
      authorities seriously address and correct global trade imbalances =
and lack=20
      of savings in western economies, short-term remedies will continue =
to make=20
      things worse and forestall genuine reform<BR>=E2=80=A2 =
=07government intervention=20
      displaces private sector investment. The sooner government =
activity can=20
      return to minimal levels, the sooner longer-term reforms can =
begin<BR>=E2=80=A2=20
      =07teachers must rethink their lessons. Many of the assumptions of =
modern=20
      finance and professional best practice do not adequately account =
for=20
      systemic market =
dynamics.<BR>&nbsp;</P></TD></TR></TBODY></TABLE></DIV><A=20
name=3Dfb><BR>
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      <H3>Do you have any comments or views on this article? </H3>If so =
click <A=20
      =
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is=20
incapable of facing the long term </DIV>
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