<!doctype html> <html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office"> <head> <!-- NAME: TELL A STORY --> <!--[if gte mso 15]> <xml> <o:OfficeDocumentSettings> <o:AllowPNG/> <o:PixelsPerInch>96</o:PixelsPerInch> </o:OfficeDocumentSettings> </xml> <![endif]--> <meta charset="UTF-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta name="viewport" content="width=device-width, initial-scale=1"> <title>*|MC:SUBJECT|*</title> <style type="text/css"> p{ margin:10px 0; padding:0; } table{ border-collapse:collapse; } h1,h2,h3,h4,h5,h6{ display:block; margin:0; padding:0; } img,a img{ border:0; height:auto; outline:none; text-decoration:none; } body,#bodyTable,#bodyCell{ height:100%; margin:0; padding:0; width:100%; } .mcnPreviewText{ display:none !important; } #outlook a{ padding:0; } img{ -ms-interpolation-mode:bicubic; } table{ mso-table-lspace:0pt; mso-table-rspace:0pt; } .ReadMsgBody{ width:100%; } .ExternalClass{ width:100%; } p,a,li,td,blockquote{ mso-line-height-rule:exactly; } a[href^=tel],a[href^=sms]{ color:inherit; cursor:default; text-decoration:none; } p,a,li,td,body,table,blockquote{ -ms-text-size-adjust:100%; -webkit-text-size-adjust:100%; } .ExternalClass,.ExternalClass p,.ExternalClass td,.ExternalClass div,.ExternalClass span,.ExternalClass font{ line-height:100%; } a[x-apple-data-detectors]{ color:inherit !important; text-decoration:none !important; font-size:inherit !important; font-family:inherit !important; font-weight:inherit !important; line-height:inherit !important; } .templateContainer{ max-width:600px !important; } a.mcnButton{ display:block; } .mcnImage,.mcnRetinaImage{ vertical-align:bottom; } .mcnTextContent{ word-break:break-word; } .mcnTextContent img{ height:auto !important; } .mcnDividerBlock{ table-layout:fixed !important; } h1{ color:#222222; font-family:Helvetica; font-size:40px; font-style:normal; font-weight:bold; line-height:150%; letter-spacing:normal; text-align:center; } h2{ color:#222222; font-family:Helvetica; font-size:34px; font-style:normal; font-weight:bold; line-height:150%; letter-spacing:normal; text-align:left; } h3{ color:#444444; font-family:Helvetica; font-size:22px; font-style:normal; font-weight:bold; line-height:150%; letter-spacing:normal; text-align:left; } h4{ color:#999999; font-family:Georgia; font-size:20px; font-style:italic; font-weight:normal; line-height:125%; letter-spacing:normal; text-align:left; } #templateHeader{ background-color:#F7F7F7; background-image:url("https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/a064e8de-609a-4fc3-981e-b0ce56ae19a9.jpg"); background-repeat:no-repeat; background-position:center; background-size:cover; border-top:0; border-bottom:0; padding-top:54px; padding-bottom:54px; } .headerContainer{ background-color:transparent; background-image:none; background-repeat:no-repeat; background-position:center; background-size:cover; border-top:0; border-bottom:0; padding-top:0; padding-bottom:0; } .headerContainer .mcnTextContent,.headerContainer .mcnTextContent p{ color:#808080; font-family:Helvetica; font-size:16px; line-height:150%; text-align:left; } .headerContainer .mcnTextContent a,.headerContainer .mcnTextContent p a{ color:#00ADD8; font-weight:normal; text-decoration:underline; } #templateBody{ background-color:#ffffff; background-image:none; background-repeat:no-repeat; background-position:center; background-size:cover; border-top:0; border-bottom:0; padding-top:27px; padding-bottom:54px; } .bodyContainer{ background-color:#transparent; background-image:none; background-repeat:no-repeat; background-position:center; background-size:cover; border-top:0; border-bottom:0; padding-top:0; padding-bottom:0; } .bodyContainer .mcnTextContent,.bodyContainer .mcnTextContent p{ color:#5b5b5b; font-family:Helvetica; font-size:14px; line-height:150%; text-align:left; } .bodyContainer .mcnTextContent a,.bodyContainer .mcnTextContent p a{ color:#873f6f; font-weight:bold; text-decoration:none; } #templateFooter{ background-color:#333333; background-image:none; background-repeat:no-repeat; background-position:center; background-size:cover; border-top:0; border-bottom:0; padding-top:45px; padding-bottom:63px; } .footerContainer{ background-color:#transparent; background-image:none; background-repeat:no-repeat; background-position:center; background-size:cover; border-top:0; border-bottom:0; padding-top:0; padding-bottom:0; } .footerContainer .mcnTextContent,.footerContainer .mcnTextContent p{ color:#FFFFFF; font-family:Helvetica; font-size:12px; line-height:150%; text-align:center; } .footerContainer .mcnTextContent a,.footerContainer .mcnTextContent p a{ color:#FFFFFF; font-weight:normal; text-decoration:underline; } @media only screen and (min-width:768px){ .templateContainer{ width:600px !important; } } @media only screen and (max-width: 480px){ body,table,td,p,a,li,blockquote{ -webkit-text-size-adjust:none !important; } } @media only screen and (max-width: 480px){ body{ width:100% !important; min-width:100% !important; } } @media only screen and (max-width: 480px){ .mcnRetinaImage{ max-width:100% !important; } } @media only screen and (max-width: 480px){ .mcnImage{ width:100% !important; } } @media only screen and (max-width: 480px){ .mcnCartContainer,.mcnCaptionTopContent,.mcnRecContentContainer,.mcnCaptionBottomContent,.mcnTextContentContainer,.mcnBoxedTextContentContainer,.mcnImageGroupContentContainer,.mcnCaptionLeftTextContentContainer,.mcnCaptionRightTextContentContainer,.mcnCaptionLeftImageContentContainer,.mcnCaptionRightImageContentContainer,.mcnImageCardLeftTextContentContainer,.mcnImageCardRightTextContentContainer,.mcnImageCardLeftImageContentContainer,.mcnImageCardRightImageContentContainer{ max-width:100% !important; width:100% !important; } } @media only screen and (max-width: 480px){ .mcnBoxedTextContentContainer{ min-width:100% !important; } } @media only screen and (max-width: 480px){ .mcnImageGroupContent{ padding:9px !important; } } @media only screen and (max-width: 480px){ .mcnCaptionLeftContentOuter .mcnTextContent,.mcnCaptionRightContentOuter .mcnTextContent{ padding-top:9px !important; } } @media only screen and (max-width: 480px){ .mcnImageCardTopImageContent,.mcnCaptionBottomContent:last-child .mcnCaptionBottomImageContent,.mcnCaptionBlockInner .mcnCaptionTopContent:last-child .mcnTextContent{ padding-top:18px !important; } } @media only screen and (max-width: 480px){ .mcnImageCardBottomImageContent{ padding-bottom:9px !important; } } @media only screen and (max-width: 480px){ .mcnImageGroupBlockInner{ padding-top:0 !important; padding-bottom:0 !important; } } @media only screen and (max-width: 480px){ .mcnImageGroupBlockOuter{ padding-top:9px !important; padding-bottom:9px !important; } } @media only screen and (max-width: 480px){ .mcnTextContent,.mcnBoxedTextContentColumn{ padding-right:18px !important; padding-left:18px !important; } } @media only screen and (max-width: 480px){ .mcnImageCardLeftImageContent,.mcnImageCardRightImageContent{ padding-right:18px !important; padding-bottom:0 !important; padding-left:18px !important; } } @media only screen and (max-width: 480px){ .mcpreview-image-uploader{ display:none !important; width:100% !important; } } @media only screen and (max-width: 480px){ h1{ font-size:30px !important; line-height:125% !important; } } @media only screen and (max-width: 480px){ h2{ font-size:26px !important; line-height:125% !important; } } @media only screen and (max-width: 480px){ h3{ font-size:20px !important; line-height:150% !important; } } @media only screen and (max-width: 480px){ h4{ font-size:18px !important; line-height:150% !important; } } @media only screen and (max-width: 480px){ .mcnBoxedTextContentContainer .mcnTextContent,.mcnBoxedTextContentContainer .mcnTextContent p{ font-size:14px !important; line-height:150% !important; } } @media only screen and (max-width: 480px){ .headerContainer .mcnTextContent,.headerContainer .mcnTextContent p{ font-size:16px !important; line-height:150% !important; } } @media only screen and (max-width: 480px){ .bodyContainer .mcnTextContent,.bodyContainer .mcnTextContent p{ font-size:16px !important; line-height:150% !important; } } @media only screen and (max-width: 480px){ .footerContainer .mcnTextContent,.footerContainer .mcnTextContent p{ font-size:14px !important; line-height:150% !important; } }</style></head> <body style="height: 100%;margin: 0;padding: 0;width: 100%;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <!--*|IF:MC_PREVIEW_TEXT|*--> <!--[if !gte mso 9]><!----><span class="mcnPreviewText" style="display:none; font-size:0px; line-height:0px; max-height:0px; max-width:0px; opacity:0; overflow:hidden; visibility:hidden; mso-hide:all;">*|MC_PREVIEW_TEXT|*</span><!--<![endif]--> <!--*|END:IF|*--> <center> <table align="center" border="0" cellpadding="0" cellspacing="0" height="100%" width="100%" id="bodyTable" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height: 100%;margin: 0;padding: 0;width: 100%;"> <tr> <td align="center" valign="top" id="bodyCell" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height: 100%;margin: 0;padding: 0;width: 100%;"> <!-- BEGIN TEMPLATE // --> <table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tr> <td align="center" valign="top" id="templateHeader" data-template-container="" style="background:#F7F7F7 url(&quot;https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/a064e8de-609a-4fc3-981e-b0ce56ae19a9.jpg&quot;) no-repeat center/cover;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #F7F7F7;background-image: url(https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/a064e8de-609a-4fc3-981e-b0ce56ae19a9.jpg);background-repeat: no-repeat;background-position: center;background-size: cover;border-top: 0;border-bottom: 0;padding-top: 54px;padding-bottom: 54px;"> <!--[if (gte mso 9)|(IE)]> <table align="center" border="0" cellspacing="0" cellpadding="0" width="600" style="width:600px;"> <tr> <td align="center" valign="top" width="600" style="width:600px;"> <![endif]--> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" class="templateContainer" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;max-width: 600px !important;"> <tr> <td valign="top" class="headerContainer" style="background:transparent none no-repeat center/cover;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: transparent;background-image: none;background-repeat: no-repeat;background-position: center;background-size: cover;border-top: 0;border-bottom: 0;padding-top: 0;padding-bottom: 0;"><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnImageBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnImageBlockOuter"> <tr> <td valign="top" style="padding: 0px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnImageBlockInner"> <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" class="mcnImageContentContainer" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td class="mcnImageContent" valign="top" style="padding-right: 0px;padding-left: 0px;padding-top: 0;padding-bottom: 0;text-align: center;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <img align="center" alt="" src="https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/b6d573dc-7f7a-4c5e-9231-02af0daaaaa8.jpg" width="600" style="max-width: 1024px;padding-bottom: 0;display: inline !important;vertical-align: bottom;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" class="mcnImage"> </td> </tr> </tbody></table> </td> </tr> </tbody> </table></td> </tr> </table> <!--[if (gte mso 9)|(IE)]> </td> </tr> </table> <![endif]--> </td> </tr> <tr> <td align="center" valign="top" id="templateBody" data-template-container="" style="background:#ffffff none no-repeat center/cover;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #ffffff;background-image: none;background-repeat: no-repeat;background-position: center;background-size: cover;border-top: 0;border-bottom: 0;padding-top: 27px;padding-bottom: 54px;"> <!--[if (gte mso 9)|(IE)]> <table align="center" border="0" cellspacing="0" cellpadding="0" width="600" style="width:600px;"> <tr> <td align="center" valign="top" width="600" style="width:600px;"> <![endif]--> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" class="templateContainer" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;max-width: 600px !important;"> <tr> <td valign="top" class="bodyContainer" style="background:#transparent none no-repeat center/cover;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #transparent;background-image: none;background-repeat: no-repeat;background-position: center;background-size: cover;border-top: 0;border-bottom: 0;padding-top: 0;padding-bottom: 0;"><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnTextBlockOuter"> <tr> <td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <!--[if mso]> <table align="left" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100%;"> <tr> <![endif]--> <!--[if mso]> <td valign="top" width="600" style="width:600px;"> <![endif]--> <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer"> <tbody><tr> <td valign="top" class="mcnTextContent" style="padding-top: 0;padding-right: 18px;padding-bottom: 9px;padding-left: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #5b5b5b;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;"> <h1 style="text-align: center;display: block;margin: 0;padding: 0;color: #222222;font-family: Helvetica;font-size: 40px;font-style: normal;font-weight: bold;line-height: 150%;letter-spacing: normal;"><span style="color:#873F6F"><span style="font-size:32px">The True Meaning of Money</span></span></h1> <p style="text-align: center;margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #5b5b5b;font-family: Helvetica;font-size: 14px;line-height: 150%;"><span style="font-size:16px">Financial planning is concerned with the accumulation, management and distribution of wealth.&nbsp; How we define and measure these activities inevitably involves a discussion about money.&nbsp;</span></p> </td> </tr> </tbody></table> <!--[if mso]> </td> <![endif]--> <!--[if mso]> </tr> </table> <![endif]--> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnDividerBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;table-layout: fixed !important;"> <tbody class="mcnDividerBlockOuter"> <tr> <td class="mcnDividerBlockInner" style="min-width: 100%;padding: 18px 18px 0px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table class="mcnDividerContent" border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <span></span> </td> </tr> </tbody></table> <!-- <td class="mcnDividerBlockInner" style="padding: 18px;"> <hr class="mcnDividerContent" style="border-bottom-color:none; border-left-color:none; border-right-color:none; border-bottom-width:0; border-left-width:0; border-right-width:0; margin-top:0; margin-right:0; margin-bottom:0; margin-left:0;" /> --> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnImageBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnImageBlockOuter"> <tr> <td valign="top" style="padding: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnImageBlockInner"> <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" class="mcnImageContentContainer" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td class="mcnImageContent" valign="top" style="padding-right: 9px;padding-left: 9px;padding-top: 0;padding-bottom: 0;text-align: center;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <img align="center" alt="" src="https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/f3080dc6-b2f5-476b-9e0b-10175618efbf.jpg" width="564" style="max-width: 1100px;padding-bottom: 0;display: inline !important;vertical-align: bottom;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" class="mcnImage"> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnTextBlockOuter"> <tr> <td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <!--[if mso]> <table align="left" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100%;"> <tr> <![endif]--> <!--[if mso]> <td valign="top" width="600" style="width:600px;"> <![endif]--> <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer"> <tbody><tr> <td valign="top" class="mcnTextContent" style="padding-top: 0;padding-right: 18px;padding-bottom: 9px;padding-left: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #5b5b5b;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;"> <span style="font-size:14px">Our literature abounds with references to money.&nbsp; In the Bible alone there are more than 2000 verses that deal with the subject. St Paul says that the love of money is the root of all evil and the source of many sorrows. The Bible offers counsel on the virtues of wisdom and stewardship and the evils of self-indulgence, avarice and gluttony.<br> &nbsp;<br> Epictetus said that “wealth consists not in having great possessions but in having few wants”. This is probably what Pablo Picasso meant when he remarked “I’d like to live as a poor man with lots of money”. In the immortal words of the Beatles: “I don’t care too much for money. Money can’t buy me love.”<br> &nbsp;<br> The importance of budgeting is brought home by George Bernard Shaw’s seven deadly sins “…food, clothing, firing, rent, taxes, respectability and children. Nothing can lift these seven milestones from man’s neck but money…”<br> &nbsp;<br> In Charles Dickens’ David Copperfield, Mr. Micawber cautions against excessive consumption. “Annual income twenty pounds, annual expenditure nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”<br> &nbsp;<br> The responsible management of money requires restraint, discipline and patience. Investment has been likened to watching paint dry or grass grow whereas speculation is akin to placing chips on the roulette wheel. According to Thomas Edison, “opportunity is missed by most people because it is dressed in overalls and looks like work”. Otherwise stated, there are no quick fixes.<br> &nbsp;<br> Warren Buffet stresses the importance of having a sound intellectual framework for investment decision making and he cautions against the corrosive effects of emotion.&nbsp; The key is to follow a process and not be swayed by market sentiment along the way.<br> <br> *|IFNOT:ARCHIVE_PAGE|* <a href="*|ARCHIVE|*" target="_blank" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #873f6f;font-weight: bold;text-decoration: none;">Read More</a> *|END:IF|*<br> &nbsp;*|IF:ARCHIVE_PAGE|*<br> <strong><em>A Brief History of Money</em></strong><br> Money was developed as a medium of exchange to pay for goods and services. Initially cowrie shells and beads were used by primitive people to acquire crops and livestock and this was followed by the exchange of precious metals for goods and services.&nbsp;<br> &nbsp;<br> We then fashioned coinage to create a unit of intrinsic value as a store of wealth. This was followed by the emergence of token coins and banknotes as units of exchange. With the emergence of merchants and bankers came the practice of making deposits, the payment of interest, the extension of credit, the advent of sovereign currencies and the exchange rate mechanism.<br> &nbsp;<br> After the Second World War it was possible to transfer funds telegraphically and shortly thereafter, the first credit cards were introduced.&nbsp; The first note dispensing ATM machines made their appearance in about 1970 and by the turn of the century the advent of the internet made it possible to provide integrated online banking services. Along came home banking and portable devices with smart technology.<br> &nbsp;<br> <strong><em>Back to the Future – Reemergence of the Barter Economy</em></strong><br> &nbsp;If I own a guesthouse that needs refurbishment, then in lieu of paying the tradesman, I can provide his parents with accommodation.&nbsp; If I am a house sitter and the owner is an optometrist or a dentist, then a free consultation with her may suffice as payment.&nbsp; If I am a hairdresser, my client can provide me with a free meal at their restaurant.<br> &nbsp;<br> There are in excess of 1,000 barter exchanges located in the USA today. These enable people to connect in order to offer and locate goods and services respectively.&nbsp; They enable one to research and benchmark fees and prices.<br> &nbsp;<br> There are risks associated with barter transactions as it is not always possible to know the counter party, the quality of their goods, their level of trustworthiness, or whether they will still be in business when the reciprocal service is due to be provided. It is a good idea to reduce the terms of these transactions to writing.<br> &nbsp;<br> Many people who engage in barter transactions are motivated by tax avoidance motives. The fact that the means of payment is not currency may help to avoid detection, but the liability to pay income tax and VAT remains very much in place.&nbsp; &nbsp;&nbsp;<br> &nbsp;<br> <strong><em>The Advent of Cryptocurrencies</em></strong><br> A cryptocurrency is an alternative medium of exchange that sits outside the banking system. It has its origins in the encryption of electronic payments to avoid detection.&nbsp;&nbsp; The system makes use of a blockchain, which is a continuous list of records or blocks, which are linked and secured cryptographically, which means that records cannot be retrospectively altered. The idea is to bypass the banking system and its associated high costs.<br> &nbsp;<br> A so-called cryptography wallet has both public and private “keys” or addresses. The former enables third parties to send currency to the wallet, whilst the latter enables the owner to make payments.<br> &nbsp;<br> The largest and best known cryptocurrency is Bitcoin.&nbsp; Since the release of Bitcoin a further 4,000 alternatives have been created.&nbsp; We now have Bitcoin ATM’s and a proliferation of cryptocurrency exchanges, which enable the purchase or exchange of goods and services. &nbsp;<br> &nbsp;<br> Many people have been caught up in the Bitcoin feeding frenzy.&nbsp; It is puzzling that something with no real intrinsic value can show such spectacular growth on a sustainable basis.&nbsp; The early speculators would have made obscene gains, whilst those who invested in Bitcoin at its peak would have lost almost two thirds of their capital.<br> &nbsp;<br> The chart below provides a fascinating insight into the Bitcoin price history.<br> <br> <img align="center" data-file-id="153653" height="228" src="https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/e01b4443-ac8d-4577-8918-c6e27cdc30c2.png" style="border: 0px initial;width: 480px;height: 228px;margin: 0px;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" width="480"><br> <br> The obvious concern for Regulators worldwide is that the anonymity associated with a digital currency is conducive to tax evasion, money laundering, organized crime, terrorism and sanctions busting.<br> &nbsp;<br> Cryptocurrencies are banned in eight countries and other jurisdictions will certainly move to introduce regulations. In 2014, China outlawed the involvement of financial institutions in Bitcoin transactions.&nbsp; Facebook, Twitter and Google have banned cryptocurrency advertisements. It is a matter of time before restrictive regulation applies to data collection, transaction reporting and consumer protection and processes are standardized to facilitate the exchange of information between governments.<br> &nbsp;<br> Cryptocurrencies have been likened to Ponzi schemes, pyramid schemes and economic bubbles.&nbsp; Warren Buffet predicts an unhappy ending for cryptocurrencies. In due course we shall know whether he was correct or simply unwilling to adopt to the new order.<br> &nbsp;<br> <strong><em>Concluding Remarks</em></strong><br> We certainly live in interesting times and we need to be circumspect. William Ward perhaps put it most eloquently.<br> &nbsp;<br> “Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you quit, try. Before you retire, save. Before you die, give”.<br> *|END:IF|*</span> </td> </tr> </tbody></table> <!--[if mso]> </td> <![endif]--> <!--[if mso]> </tr> </table> <![endif]--> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnDividerBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;table-layout: fixed !important;"> <tbody class="mcnDividerBlockOuter"> <tr> <td class="mcnDividerBlockInner" style="min-width: 100%;padding: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table class="mcnDividerContent" border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <span></span> </td> </tr> </tbody></table> <!-- <td class="mcnDividerBlockInner" style="padding: 18px;"> <hr class="mcnDividerContent" style="border-bottom-color:none; border-left-color:none; border-right-color:none; border-bottom-width:0; border-left-width:0; border-right-width:0; margin-top:0; margin-right:0; margin-bottom:0; margin-left:0;" /> --> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnCaptionBlock" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnCaptionBlockOuter"> <tr> <td class="mcnCaptionBlockInner" valign="top" style="padding: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table align="left" border="0" cellpadding="0" cellspacing="0" class="mcnCaptionBottomContent" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td class="mcnCaptionBottomImageContent" align="center" valign="top" style="padding: 0 9px 9px 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <img alt="" src="https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/e7c8d93a-1015-4909-82cc-cc2022724ffb.jpg" width="564" style="max-width: 1100px;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;vertical-align: bottom;" class="mcnImage"> </td> </tr> <tr> <td class="mcnTextContent" valign="top" style="padding: 0 9px 0 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #5b5b5b;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" width="564"> <br> <strong>The advent of e-mail interception fraud is becoming more and more prevalent.&nbsp; We urge you all to take note of this to prevent becoming a potential victim.</strong><br> <span style="font-size:14px">&nbsp;<br> Simplistically, fraudsters intercept an e-mail and change bank details to their account as opposed to the original account details contained in the invoice or on the e-mail.&nbsp; The victim then pays into the incorrect bank account thinking that it is the bank account details of the original sender.<br> &nbsp;<br> We urge you to take steps to try and prevent becoming a victim of this type of fraud.&nbsp; A few suggestions follow below.</span><br> &nbsp; <ul> <li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><span style="font-size:14px">Independently verify bank details prior to loading them as a beneficiary.&nbsp;</span></li> <li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><span style="font-size:14px">Use the phone number you have on record, or source it independently, to check the details – don’t just rely on the phone number that comes through with the e-mail</span></li> <li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><span style="font-size:14px">Don’t change existing beneficiary account details if you receive an e-mail notification advising you that they have changed.&nbsp; Verify that this is the case by phoning your contact at the company.</span></li> </ul> <span style="font-size:14px"> &nbsp;<br> Bottom line is be alert, rather double check any account details - It may take you slightly longer but the pain is far less than trying to deal with having paid funds away to a fraudsters account.&nbsp; &nbsp;&nbsp;<br> &nbsp;</span><br> &nbsp; </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnCaptionBlock" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnCaptionBlockOuter"> <tr> <td class="mcnCaptionBlockInner" valign="top" style="padding: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table align="left" border="0" cellpadding="0" cellspacing="0" class="mcnCaptionBottomContent" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td class="mcnCaptionBottomImageContent" align="center" valign="top" style="padding: 0 9px 9px 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <img alt="" src="https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/8a838ac4-ad61-46e6-be14-6cab371a48de.jpg" width="564" style="max-width: 1100px;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;vertical-align: bottom;" class="mcnImage"> </td> </tr> <tr> <td class="mcnTextContent" valign="top" style="padding: 0 9px 0 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #5b5b5b;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" width="564"> <br> <strong>The essential difference between a business and a profession is in the nature of relationships.&nbsp;&nbsp; Interactions with competitors, suppliers and customers are adversarial and motivated by personal gain, whereas client relationships are concerned with best advice and based on trust.</strong><br> &nbsp;<br> <span style="font-size:14px">The essential elements of any profession are fourfold, namely to have the requisite level of expertise, an objective means of assessing competence and conferring accreditation, relevant experience and the maintenance of high ethical standards.<br> &nbsp;<br> The most important of these is ethics. In common with the medical, legal, accounting and other professions, we as financial advisors have a fiduciary relationship with our clients. This requires that we avoid a conflict of interests and we apply the same levels of objectivity and impartiality as we would in managing our own affairs.<br> &nbsp;<br> Stewardship is the ethic that embodies the responsible planning and management of what is entrusted to our care, be that the natural environment, the public whom we serve when holding representative office or the assets that we manage on behalf of others. &nbsp;The steward is your guide, your financial mentor, your shepherd and your custodian.&nbsp; &nbsp;<br> &nbsp;<br> Our core values at Steward Capital are to engage with you to fully understand your needs, to be regarded as your trusted adviser, to always do what is in your best interests and to act as your steward in managing your financial affairs.</span> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnDividerBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;table-layout: fixed !important;"> <tbody class="mcnDividerBlockOuter"> <tr> <td class="mcnDividerBlockInner" style="min-width: 100%;padding: 27px 18px 0px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table class="mcnDividerContent" border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <span></span> </td> </tr> </tbody></table> <!-- <td class="mcnDividerBlockInner" style="padding: 18px;"> <hr class="mcnDividerContent" style="border-bottom-color:none; border-left-color:none; border-right-color:none; border-bottom-width:0; border-left-width:0; border-right-width:0; margin-top:0; margin-right:0; margin-bottom:0; margin-left:0;" /> --> </td> </tr> </tbody> </table></td> </tr> </table> <!--[if (gte mso 9)|(IE)]> </td> </tr> </table> <![endif]--> </td> </tr> <tr> <td align="center" valign="top" id="templateFooter" data-template-container="" style="background:#333333 none no-repeat center/cover;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #333333;background-image: none;background-repeat: no-repeat;background-position: center;background-size: cover;border-top: 0;border-bottom: 0;padding-top: 45px;padding-bottom: 63px;"> <!--[if (gte mso 9)|(IE)]> <table align="center" border="0" cellspacing="0" cellpadding="0" width="600" style="width:600px;"> <tr> <td align="center" valign="top" width="600" style="width:600px;"> <![endif]--> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" class="templateContainer" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;max-width: 600px !important;"> <tr> <td valign="top" class="footerContainer" style="background:#transparent none no-repeat center/cover;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #transparent;background-image: none;background-repeat: no-repeat;background-position: center;background-size: cover;border-top: 0;border-bottom: 0;padding-top: 0;padding-bottom: 0;"><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnFollowBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnFollowBlockOuter"> <tr> <td align="center" valign="top" style="padding: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnFollowBlockInner"> <table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnFollowContentContainer" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td align="center" style="padding-left: 9px;padding-right: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnFollowContent"> <tbody><tr> <td align="center" valign="top" style="padding-top: 9px;padding-right: 9px;padding-left: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table align="center" border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td align="center" valign="top" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <!--[if mso]> <table align="center" border="0" cellspacing="0" cellpadding="0"> <tr> <![endif]--> <!--[if mso]> <td align="center" valign="top"> <![endif]--> <table align="left" border="0" cellpadding="0" cellspacing="0" style="display: inline;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td valign="top" style="padding-right: 10px;padding-bottom: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnFollowContentItemContainer"> <table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnFollowContentItem" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td align="left" valign="middle" style="padding-top: 5px;padding-right: 10px;padding-bottom: 5px;padding-left: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table align="left" border="0" cellpadding="0" cellspacing="0" width="" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td align="center" valign="middle" width="24" class="mcnFollowIconContent" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <a href="http://www.facebook.com" target="_blank" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><img src="https://cdn-images.mailchimp.com/icons/social-block-v2/outline-light-facebook-48.png" style="display: block;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" height="24" width="24" class=""></a> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> <!--[if mso]> </td> <![endif]--> <!--[if mso]> <td align="center" valign="top"> <![endif]--> <table align="left" border="0" cellpadding="0" cellspacing="0" style="display: inline;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td valign="top" style="padding-right: 10px;padding-bottom: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnFollowContentItemContainer"> <table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnFollowContentItem" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td align="left" valign="middle" style="padding-top: 5px;padding-right: 10px;padding-bottom: 5px;padding-left: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table align="left" border="0" cellpadding="0" cellspacing="0" width="" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td align="center" valign="middle" width="24" class="mcnFollowIconContent" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <a href="http://www.twitter.com/" target="_blank" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><img src="https://cdn-images.mailchimp.com/icons/social-block-v2/outline-light-twitter-48.png" style="display: block;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" height="24" width="24" class=""></a> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> <!--[if mso]> </td> <![endif]--> <!--[if mso]> <td align="center" valign="top"> <![endif]--> <table align="left" border="0" cellpadding="0" cellspacing="0" style="display: inline;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td valign="top" style="padding-right: 10px;padding-bottom: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnFollowContentItemContainer"> <table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnFollowContentItem" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td align="left" valign="middle" style="padding-top: 5px;padding-right: 10px;padding-bottom: 5px;padding-left: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table align="left" border="0" cellpadding="0" cellspacing="0" width="" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td align="center" valign="middle" width="24" class="mcnFollowIconContent" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <a href="http://www.instagram.com/" target="_blank" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><img src="https://cdn-images.mailchimp.com/icons/social-block-v2/outline-light-instagram-48.png" style="display: block;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" height="24" width="24" class=""></a> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> <!--[if mso]> </td> <![endif]--> <!--[if mso]> <td align="center" valign="top"> <![endif]--> <table align="left" border="0" cellpadding="0" cellspacing="0" style="display: inline;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td valign="top" style="padding-right: 0;padding-bottom: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnFollowContentItemContainer"> <table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnFollowContentItem" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td align="left" valign="middle" style="padding-top: 5px;padding-right: 10px;padding-bottom: 5px;padding-left: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table align="left" border="0" cellpadding="0" cellspacing="0" width="" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td align="center" valign="middle" width="24" class="mcnFollowIconContent" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <a href="http://mailchimp.com" target="_blank" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><img src="https://cdn-images.mailchimp.com/icons/social-block-v2/outline-light-link-48.png" style="display: block;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" height="24" width="24" class=""></a> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> <!--[if mso]> </td> <![endif]--> <!--[if mso]> </tr> </table> <![endif]--> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnDividerBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;table-layout: fixed !important;"> <tbody class="mcnDividerBlockOuter"> <tr> <td class="mcnDividerBlockInner" style="min-width: 100%;padding: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <table class="mcnDividerContent" border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width: 100%;border-top: 2px solid #505050;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <span></span> </td> </tr> </tbody></table> <!-- <td class="mcnDividerBlockInner" style="padding: 18px;"> <hr class="mcnDividerContent" style="border-bottom-color:none; border-left-color:none; border-right-color:none; border-bottom-width:0; border-left-width:0; border-right-width:0; margin-top:0; margin-right:0; margin-bottom:0; margin-left:0;" /> --> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnTextBlockOuter"> <tr> <td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <!--[if mso]> <table align="left" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100%;"> <tr> <![endif]--> <!--[if mso]> <td valign="top" width="600" style="width:600px;"> <![endif]--> <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer"> <tbody><tr> <td valign="top" class="mcnTextContent" style="padding-top: 0;padding-right: 18px;padding-bottom: 9px;padding-left: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #FFFFFF;font-family: Helvetica;font-size: 12px;line-height: 150%;text-align: center;"> <em>Copyright © *|CURRENT_YEAR|* *|LIST:COMPANY|*, All rights reserved.</em> <br> *|IFNOT:ARCHIVE_PAGE|* *|LIST:DESCRIPTION|* <br> <br> <strong>Our mailing address is:</strong> <br> *|HTML:LIST_ADDRESS_HTML|* *|END:IF|* <br> <br> Want to change how you receive these emails?<br> You can <a href="*|UPDATE_PROFILE|*" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #FFFFFF;font-weight: normal;text-decoration: underline;">update your preferences</a> or <a href="*|UNSUB|*" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #FFFFFF;font-weight: normal;text-decoration: underline;">unsubscribe from this list</a>. <br> <br> *|IF:REWARDS|* *|HTML:REWARDS|* *|END:IF|* </td> </tr> </tbody></table> <!--[if mso]> </td> <![endif]--> <!--[if mso]> </tr> </table> <![endif]--> </td> </tr> </tbody> </table></td> </tr> </table> <!--[if (gte mso 9)|(IE)]> </td> </tr> </table> <![endif]--> </td> </tr> </table> <!-- // END TEMPLATE --> </td> </tr> </table> </center> </body> </html>

PREVIOUS EDITIONS