The information contained in this website is believed to be current at the time of publication. While it is believed to be accurate and reliable, no guarantee is provided. This website provides general advice only and does not provide specific advice for any person, and in its preparation David Andrew has not taken into account the investment objectives, specific needs or financial situation of any particular person. Before making any decision regarding your investment and/or risk insurance strategy you should consult  an adviser for advice on your particular situation.