Karl, your in-depth knowledge of financial markets and related instruments coupled with the ability to relate this in simple terms has made the complex world of financial markets so much easier to understand. This lends itself well to promoting the prudent alignment of available investment products, marketed by IIMG, and my personal investment objectives. Thank you for always providing excellent levels of service, be it of an advisory or administrative nature. Your personable, warm and kind-hearted nature ensures that I never hesitate to approach you for expert information and advice.