Hi Terry,

Thanks you for the Reflections throughout the year.

I have loved reading them and have picked up many worthwhile “tips”.

Your articles on the risk profile and supporting explanation/conversation was pure gold.

So simple and yet so effective, adding only minutes to the process.

Made me feel quite stupid really (in a positive way J); you know that ah ha moment, followed by the “how come I didn’t think of that when it is so obvious?” moment.

The last remnants of the years of institutionalised education!!

I hope you have a lovely Christmas and a Safe and Happy New Year.

Look forward to the your Reflections in 2016.

Once again thanks.