text_combined: seasonal greetings seasonal greetings best wishes happy prosperous new year les dr les clewlow visiting research fellow school finance economics university technology sydney australia associate research fellow financial options research centre warwick business school coventry uk cv 4 7 al director lacima group ltd 55 skylines village limeharbour london el 4 9 ts uk phn 44 0 171 531 9628 fax 44 0 171 538 5781 www http www lacimagroup com