Facing insolvency can be frustrating and frightening. The Clark Bell insolvency practitioners, based in Manchester, offers help for small- and medium-sized businesses, sole traders and individuals.

The Manchester-based firm is comprised of chartered accountants and licensed insolvency practitioners that specialize in resolving financial, debt and cash flow problems. They know that each situation is different and work with clients to find the solution that works best for them. That could entail business turnaround, administration, liquidation, an individual voluntary arrangement or a bankruptcy petition.

They offer free consultations, and when clients retain their services, the Clark Bell agency immediately goes to work dealing with creditors. They also offer tips, advice and information for entrepreneurs.

The experts at Clark Bell have the solutions needed for business owners and directors who may be struggling with business recovery strategies, cash flow problems or having difficulties paying creditors on time. The firm can also help business advisors and similar professionals who are seeking ways to aid clients, but may not have the needed insolvency expertise.

Individuals may sometimes find their debts are getting out of control. The number of people filing for bankruptcy is steadily increasing, and Clark Bell has solutions for anyone at risk of losing their house and possessions. They offer convenient ways to clear debts without the stigma of bankruptcy through individual voluntary agreements. For those with no assets, bankruptcy may be the only option and the agency can help with the appropriate paperwork and other services.

There’s no single solution for insolvency difficulties and the experts at the Clark Bell agency in Manchester work closely with clients to find the strategies that will provide the best results in each situation. Their licensed accountants and licensed insolvency practitioners Manchester are well versed in all the options available for businesses and individuals and work toward the best possible solutions for their clients.

The firm is based in Manchester, with clients throughout Cheshire, Greater Manchester, Lancashire and Merseyside. They also maintain a select clientele throughout other regions of the UK. The firm has offices in Cheltenham, Derby, Newcastle-Upon-Tyne and Stoke. Visitors can sign up to receive their free newsletter that explains insolvency and illustrates how they can help.

The firm can be contacted by phone toll-free at 0800 195 6768, locally at 0161 907 4044, by fax at 0161 907 4086, or by email via the online form on the website. For more information, visit the website at http://www.clarkebell.com/.

Everyone dreams of retirement. Retirement means you no longer have to worry about waking up every morning to go to work. Even the rare few that love their jobs find this appealing. Retirement brings time to do all of the little things around your home you want to do, to travel or just to spend time relaxing on your porch. Dreaming about retirement is one thing but putting a plan into action and actually making it happen is something else entirely. Allowing yourself the freedom to retire comfortably and do all the things you dream of doing in your twilight years takes work and solid retirement planning. That doesn’t mean you can’t retire comfortably. It simply means you need to work to avoid some of the common problems that makes retirement a much more difficult, and much more stressful time.

The most common mistake people make when planning for retirement is simply starting too late. The later you start saving the more you will have to save every month to build up a nest egg substantial enough for you to retire on. Starting earlier also means the money you put in retirement accounts will have more time to grow. You should take full advantage of tax-free retirement accounts so there is more tax-free money available to you when you retire. It is recommended that you contribute the maximum amount allowed each year if you can afford to do so.

Being too conservative when investing also can lead to significant problems saving the amount you need to retire comfortable. Alternatively, investing in high risk ventures may also be a poor idea as you may wind up losing what you have worked to save. It is important to allocate your assets in a wise, financially responsible. Allow a certain amount for high risk ventures, a portion you can safely afford to lose, and invest the rest in safer ways.

Cashing out your 401k or borrowing heavily against it is a common mistake but one many feel they can’t avoid. The simple fact is you should only borrow against your 401k if it is absolutely necessary and you have no other options. Things you want and things you need are two separate things and before you borrow against your 401k, you need to make sure what you are borrowing falls into the second category and not the first.

The biggest problem that people face with retirement planning also leads to one of the biggest mistakes people encounter with their retirement. People rely too heavily on their company’s stock and on Social Security payments. You need to have a post-retirement plan. You need to have a budget in mind and you need to stick to that budget. You need to know where your money will be coming from and what it will be used for. Don’t rely on things that may not be a concrete source of income. Allow for inflation, cost of living increases and health care costs. With all this in mind, focus on your plan and enjoy the fruits of your labor.

Highland Heights, OH ( Pressreleasehome ) February 22, 2010 – It is a well known fact that the mortgage will get better as the mortgage rates fall lower. However, to find the best mortgage rates, we need some kind of comparison platform. As you know, there are not many mortgage rate comparison sites available out there. Thankfully there are few mortgage rate reviewers like thebest-mortgage-rates.com which can be used to compare the different mortgage options that are available. “Finding the best mortgage rates needs lots of comparison. Our reviews are most wanted information about the different types of loans. Reading our reviews will help people to choose the best mortgage lender before they commit to someone whose mortgage rates are very high” says Mr. Richard Henry of thebest-mortgage-rates.com

When asked about the impact of fluctuation of the mortgage rates during a period of credit crunch, Mr. Richard Henry said, “People have a misconception that the fluctuation of the mortgage rates during a credit break down period can be a real harm. These people are not realizing the fact that the mortgage rate fluctuation is really an advantage which can help them save huge money while opting a mortgage loan. However, these borrowers have to overcome the greatest hurdle of finding the best mortgage loan plan and this is where we come in. Our reviews can be used to compare the mortgage rates and find the best one that can bring in huge savings taking the fluctuation of the mortgage rates as an advantage.”

He added that, “Though the mortgage rates all administered by the Federal regulation, the rates changes between different areas. So the borrower has to identify the national average mortgage rates and compare with the ones in their area. If this comparison reveals that the mortgage rate in their area is above average, then they should consider committing to mortgage lenders outside their area.”

Speaking on the move, Mr. Richard Henry said, “Our mortgage rate reviews can help people find the best mortgage loan lender with lowest possible interest rates. We will be adding many more reviews as soon as our team completes reviewing their customer service and quality.”

About Thebest-mortgage-rates.com

Thebest-mortgage-rates.com offers personal touch researched mortgage rates for home refinance or first time home purchases and any kind of low interest rate mortgage available from leading lenders.

For more information, visit http://www.thebest-mortgage-rates.com

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Carlsbad, CA ( Pressreleasehome ) January 16, 2010 – People out there are afraid to get into any kind of investment during this Global recession period. With the crash of the stock markets, there are some huge investors who are struggling to survive this toughest economic period. Due to this reason, most of the investment options that still have their charm often remain undiscovered. Chuck Hughes’ ETF trading strategy option is one such investment that is unaffected by the global recession. Unfortunately only a few people have discovered it. “Chuck Hughes ETF trading startegy covers a wide range of investment options such as stock options, future options and currency options. People out there should remember the fact that this is the right time to make investments through stock options and future options. All they have to do is to plan the ETF trading strategies effectively” says Max Day of chuckhughesadvisory.com.

Chuck Hughes’ ETF trading strategy is not strange to the investment world. This ETF trading system has found a great success back in the year 2008. You must have known that despite the wild Wall Street the previous year, Chuck Hughes’ ETF trading strategies finished with 307.7% gains. Speaking about the success of Chuck Hughes’ ETF trading strategies, Max Day said, “The success of Chuck Hughes ETF trading strategy is already proven in the previous year. The 307.7% gains that we have achieved in the previous year is actually a huge record. The investors out there, who are aware of this record, have realized the fact that not even recession can stop the growth of Chuck Hughes ETF trading strategy.”

Speaking on the move, Max Day said, “The ETF trading system has many advantages when compared to all the other investment options available today. The negligible impact of the global market conditions on this kind of investment is obviously one of the main advantages. The possibility to invest on a wide range of asset classes is another benefit of ETF trading system. Moreover, the ETF trading system assures that you will not lose more money than you invest under any circumstances. With the Chuck Hughes ETF strategy, the chances of increasing your investment are very high, no matter what the market condition is.”

About Chuck Hughes

Chuck Hughes is a veteran trader who started his career in 1984. As a full-time commercial airline pilot his schedule of 15 to 17 days off each month allowed him to start trading regularly. Chuck Hughes’ ETF trading strategies finished 2008 with 307.7% gains despite a wild Wall Street. For more information, visit http://www.chuckhughesadvisory.com

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San Diego, CA ( PressReleaseRoom  ) October 01, 2009 – Capital Line Funding Group has just announced a Stated Income Verified Asset Loan program for 3 or 5 year loans. This SIVA program is only available for a limited time and specific counties in California: Los Angeles County, Orange County, San Diego County, Santa Barbara County and Ventura County.

This very special Stated Income Verified Asset loan program features:

• Loan Amounts $500,000-$3,000,000
• 3 year and 5 year fixed loans Rates starting in the low 6% range
• Assets have to be in line with the income that is being stated
• Max Loan to Value of 60% up to $1,500,000 loan amount, Loan to Value decreases with higher loan amounts
• Loans can be done on owner and non owner properties

Calll us at (858) 452-2845 or visit our website Capital Line Funding Group

A Stated Income Verified Asset Loan is a type of reduced documentation mortgage program which allows the borrower to state on the loan application what their income is without having to verify that income. However, borrowers still have to verify their assets. Borrowers with high credit scores and strong assets use the SIVA loan to their advantage.

How Does a Stated Income Verified Asset (SIVA Loan) Benefit You?

The Stated Income Verified Asset loan program offers a variety of benefits including:
• These loans are excellent for Self-Employed borrowers or other borrowers who might have difficulty documenting their income.
• Stated Income Loans are available to finance the purchase of a new home or the refinance of an existing home.
• Borrowers with high credit scores and strong assets use SIVA loans to their advantage.

Capital Line Funding Group, Inc., a California Based mortgage company specializing in Super Jumbo Mortgages, Commercial Loans and Renewable Power Plant Financing. Capital Line is an independently licensed, Mortgage Broker, originating small, medium, large balanced loan debt through select banks and institutional investors nationwide. Capital Line provides a diverse online innovative lending platform backed by a staff of seasoned, experienced professionals, enabling Capital Line to provide a one-stop solution for one’s real estate financing needs. Capital Line can be found at http://www.CapialLineFundingGroup.com.

Contact:
Capital Line Funding Group
6440 Lusk Boulevard, Ste. D202
San Diego, CA 92121
(858) 452-2845 Phone

http://www.CapitalLineFundingGroup.com

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San Diego, CA ( PressReleaseHome ) September 24, 2009 – Capital Line Commercial Financing has just announced a new commercial loan refinance program for Apartment Complexes, Office Buildings, Warehouses, Commercial Malls and Industrial Property.

Commercial Loan Refinance
Loan Term: Thirty (30) Years Fixed.
Product: Commercial Mortgages on existing properties.
Client Profile: Class A Borrowers.
LTV /Equity: Minimum 35% equity in the project (65 LTV).
Property Types: Apartments, Office Buildings, Warehouses, Commercial Malls, Industrial Property.
Interest Rates: 7.0% -9.0%. Rates are strength/risk driven.
Key Feature: The property must have an existing revenue stream which will support the new loan.
Loan Amount: Refinance Requirements are for loans of $25 Million up to $250 Million.
Fund Reserve: $ 2 Billion for immediate Disbursement

CLICK HERE for More Information

Capital Line is an independently licensed, Commercial Mortgage Broker, originating small, medium, large balanced loans through select banks and institutional investors nationwide.

Capital Line provides a diverse online innovative commercial lending platform backed by a staff of seasoned, experienced professionals, enabling Capital Line to provide a one-stop solution for loans on all commercial property types.

The innovative Commercial Loan Refinance Program is available throughout the United States: Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), District of Columbia (Washington DC), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA), Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Commercial Loans and Commercial Mortgages are available for all of the following property types:
Apartment Building, Apartment Complex, Hotel, Industrial Building, Motel, Mobile Home Park, Multi-Family Buildings, Self-Storage Complexes, Medical Office Complex, Medical Building, Office Building, Office Complex

Contact:
Capital Line Commercial Financing
6440 Lusk Boulevard, Ste. D202
San Diego, CA 92121
(858) 452-2845 Phone

http://www.CapitalLineCommercialFinancing.com

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San Diego, CA ( Pressreleasehome ) September 9, 2009 – California Super Jumbo Mortgage has just announced a special Super Jumbo Loan program for those needing loan amounts from Three Million Dollars to $50,000,000 for the purchase or refinance of a residence, second home, vacation home or luxury home nationwide. There are currently 3 types of Super Jumbo Loan programs available:

1) Purchase
2) Refinance w/ No Cash-Out
3) Refinance w/ Unlimited Amount Cash-Out

Since most lenders only these days offer loan amounts up to $1,000,000 with $200,000 cash out options, California Super Jumbo has worked to arrange a program that goes way beyond providing Unlimited Cash Out on Refinances and up to $50,000,000 loan amounts.

Another key feature of our loan programs interest rates in the Low-to-Mid 5.00% with an unlimited cash out option.

Contact Us Today

Super Jumbo Loan Program Breakdown:
Loan Amount:   $3,000,000 – $50,000,000
Location:      Nationwide
Loan To Value:  75%
Type of Loans:  Purchase, Refinance (No Cash Out), Refinance (Unlimited Cash-Out)
Limits:              $3 Million Minimum Loan About
No Limit Cash-Out
No Limit on Loan Amount
Requirement:     Borrower must have a minimum of $1M in Liquid Assets; Higher loan amounts require additional liquid assets.

California Super Jumbo Mortgage is a division of Capital Line Funding Group – a premier provider of both Residential Financing and Commercial Financing across the United States.

Why Work With Us?
Because Capital Line are the Specialists in Luxury and Super Jumbo Mortgage. To ensure the best terms and pricing for your high-end loan, it is crucial to work with someone who specializes in these super-sized loan amounts. Super jumbo loans specialists need to know all of the unique factors which contribute to the cost and simplicity of super jumbo loans.

Capital Line established a unique position in the market place through providing Super Jumbo-Size loans in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,  Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming.

Contact Information:
California Super Jumbo Mortgage
6440 Lusk Boulevard, Ste. D202
San Diego, CA 92121
(858) 452-2845 Phone

http://www.CaliforniaSuperJumboMortgage.com

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Highland Heights, OH ( Pressreleasehome ) August 13, 2009 – Protraderforex—announces Destiny 3.33, a home PC version of forex trading software that doubles investor money every year.  The concept is if you start with just $200 then doubled it you would have $400.  Do that 14 times and you would have $3,276,800

Rich Henry, President of Protraderforex says,  “Now that 73 percent of homes in the USA have computers we need to put them to work.  Not playing video games, but making people money.  For the first time, anyone that knows how to use a home computer can profit directly from it.”

Everyday more than 2 trillion dollars are traded in the forex market as compared to just 50 billion for the stock market.  The problem is that 95% of people lose 100% of their initial investment money trying. The 5% that do make money are staggeringly rich.   Now it is possible to be one of the lucky 5 percent.

A typical small investor has limited funds available for trading.  So they look to leverage their money in high-risk instruments like penny stocks. Buy for 1 penny and hope it goes to a dollar.  This rarely ever happens.  However, trading on the forex market gives the small investor just as much if not more leverage, which he can use to his advantage.

The forex market gives the investor the chance to double his money continuously. This is possible by the amount of leverage available.  A typical forex account has 1:100 leverage.  Some have 1:200 and higher.  This means that for every dollar invested you are controlling 100 dollars.  A small move in the price will result in a large profit.

Software that could help anyone profit in this market has been highly sought after for years. It is now possible.  The new software also known as an expert advisor, will start opening and closing trades all day and night as the forex market operates 24 hours a day. The winning formula in trading this market is just a set of equations, which a computer can easily solve. Using mathematical principles, a high probability set of trades can be opened and then closed for a profit daily.  When a trade closes the money is added to the account balance.

As the account balance grows the software compounds the profit.  Compounding of profits is one of the more difficult problems to solve for the average investor.  The software does this automatically.  Not losing your money is just as important as making money to a successful investor.  Account protection is always enabled which protects an investor account from an unexpected shift.

All of this is done using a typical home computer, with a broadband connection preferably.  To get started, the investor needs only to open a forex trading account with a minimum of $2000 deposit and start the Destiny 3.33 software, which is totally free.

Complete details including, performance, trading strategy and data for months of trading can be viewed at the Protraderforex.com website.  To get started visit http://www.protraderforex.com You can open up a live trading account and get the free software from there.

Protraderforex is a cutting edge technology software development and manufacturing company located in Highland Heights, OH.  Protraderforex is a leader in automated trading expert advisor software.

For additional information please contact, Rich Henry at 440-449-0291 or email sales@destinyforex.co[email protected]

CONTACT:
Contact Person: Rich Henry
Company Name: Protraderforex
Voice Phone Number: 440-449-0291
FAX Number: 212-658-9545
Email Address: [email protected]
Website URL: http://www.protraderforex.com

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San Diego, CA ( PressReleaseHome ) August 12, 2009 – The new Super Jumbo Loan program from Capital Line provides access to loan amount from $3,000,000 to $50 Million. This loan program is offer in 3 Types:

1) Purchase
2) Refinance w/ No Cash-Out
3) Refinance w/ Unlimited Amount Cash-Out

Contact Us Today: http://www.CapitalLineFundingGroup.com

These days most lenders only loan amounts up to $1,000,000 with $200,000 cash out options, Capital Line go way beyond with this program. Aside from the high loan amounts being offered, this loan also features interest rates in the Low-to-Mid 5.00% with a no limit cash out option. These special rates will not last forever so you must act quickly.

Super Jumbo Loan Program Breakdown: http://www.capitallinefundinggroup.com/Mega_Jumbo_Mortgage_Loans.html
Location:    Nationwide
Property Type(s):    Single Family Residence
Loan Products:    Private Banking Products, LIBOR ARMs, Fixed Rate Products
Loan Amount:
$3 Million – $50,0000,000,      Full Documentation
Loan-to-Value (LTV):    Up to 75%
Credit Score:    640 or Above FICO Score
Loan Type(s):    Purchase, Refinance
Occupancy Type(s)    Primary Residence, Vacation Home, Investment Property
Loan Product Options:    5 Year, 7 Yr and 10 Year Fixed ARM Loans, 30 Year Amortization for All Loans
Interest Only Loans Available
Special Programs:    Unlimited Cash Out Refinancing
Requirements:    Borrower must have a minimum of $1M in Liquid Assets; Higher loan amounts require additional liquid assets.

http://www.capitallinefundinggroup.com/Super_Jumbo_Mortgage_Loan.html

Capital Line Has The Best Loan Products
Capital Line’s high reputation has helped forge alliances with financial leaders of exceptional quality. There are many different loan programs available to meet your specific needs. These include but are not limited to: Purchase / Refinance Loans, Interest Only Loans, Stated Income Mortgage, Stated Asset Loan, Home Equity Loans, Preferred Option ARM, Super Jumbo Loan, Private Money Loans, 1031 Exchanges, Commercial Construction Loans.
Superb Client Satisfaction

Job One at Capital Line is integrity; performing as we say we will. It’s about keeping one’s word through-out the process and beyond. We have active clients from our first year of business, now over 15 years ago. Each association is special because each is built on trust. Satisfied clients form the bedrock of Capital Line.

Why Work With Us?
Because Capital Line are the Specialists in Luxury Mortages and Super Jumbo Loans.
To ensure the best terms and pricing for your high-end loan, it is crucial to work with someone who specializes in these super-sized loan amounts. Super jumbo loans specialists need to know all of the unique factors which contribute to the cost and simplicity of super jumbo loans.
Capital Line established a unique position in the market place through providing Super Jumbo-Size loans in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming.

Contact:
Capital Line Funding Group
6440 Lusk Boulevard, Ste. D202
San Diego, CA 92121
(858) 452-2845 Phone

http://www.CapitalLineFundingGroup.com

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London, United Kingdom ( PressReleaseHome ) August 11 ,2009  – Aquarius Platinum Limited is engaged in the exploration, development and acquisition of platinum group metals (PGM) including Platinum, Palladium, Rhodium and Gold. Its PGM mining and exploration operations take place in South Africa and Zimbabwe, with administration functions in Australia and Bermuda.

In a half year result announced in February 2009, group production rose to 260,208 PGM ounces; 17% higher than the previous six months to June 2008. However it was 6% lower when compared to the six months to December 2007 due to a temporary production suspension at Everest following an early detection of subsidence. At the start of the financial year, Aquarius was targeting a 2009 annual production of 575,000 PGM ounces, representing an increase of approximately 15% on the previous year.

Marketing Director Andrew Dyer explained “In a first half year result of 2009, Aquarius reported significant falls in PGM prices with Platinum prices during this period being 56% lower at $904 per ounce compared to the six months to December 2007, while Rhodium prices were 87% lower at $1,250 per ounce. Palladium was 60% lower at $184 per ounce and Gold was 6% lower at $866 per ounce. In the second half of 2009, Aquarius is set to benefit from higher commodity prices as platinum prices rebounded from a year low of $774 in November 2008 to $1186 per ounce in July this year. Palladium prices also rebounded from a year low of $161 to $259. Jewellery has seen some reduction in demand, yet requests from platinum autocatalysts and ETFs(Electronic trade funds) in particular have seen significant growth on strong Chinese auto industry rebound and dollar falls against the euro and sterling.”

On daily chart, Aquarius is making a ‘V’ pattern in a range of 170.0p and 316.0p, with a higher low indicating strong uptrend. MACD (moving average convergence/divergence) is negative and 12 day EMA has cross above 26 day EMA indicating formation of upside trend. 14 day RSI (relative strength index) is near 60 showing strength in trend. ADX (average directional index) is near 26 indicating strong positive trend. Stock is also above 20 day and 50 day EMA which supports strength in trend. For a higher move stock has to move above 250.0p with some consolidation as stochastic indicating overbought. The stock has immediate resistance near 268.0p and support near 220.0p.

The stock can be bought around 245p with a profit target 273.24p and stop loss of 232.7p (Hedge position: short position in spread betting with £5.09 bet per point).

For additional information please contact CSS Partners via: http://www.csspartners.co.uk

Contact:

Andrew Dyer
Apex House, 18-20 Appold Street, London EC2A 2AS, United Kingdom
+44 (0)20 7422 1800

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