I would like to dedicate this book to my wife Sue,
and to my children Nicola, Paul and Steven.

I would also like to thank and acknowledge all
those I have had the privilege of working with
during my career, and to the clients who provided
me with the inspiration to write this book.

My thoughts are with those who did not fare so well,
but provided me with the experience to forewarn
others of the obstacles that may await them.