How you treat others is a direct reflection of how you feel about yourself.

Never regret something that once made you smile.

Never let the fear of failure be an excuse for not trying. Society tells us that to fail is the most terrible thing in the world, but I know it isn't. Failure is part of what makes us human.

Our client base grew further in 2005 and the positive effects of the improved stock exchange climate and greater business confidence were also manifest.

For the time being we will definitely keep it in the safe. We need to get used to the idea again that it's back.

In 2006, we will continue to move forward vigorously offering active advice to high net-worth private and business clients.