There are a variety of ways in which we might be inadvertently frustrating our customers and clients. One of the most common involves our policies and procedures, which may be unnecessarily confusing or restrictive. By being alert for situations that put our customers on the defensive and handling those situations gracefully, we can retain our customers' loyalty and avoid driving them away.

Today, once clear lines have evaporated. Now, there is one broad, and somewhat murky, financial services sector populated with many types of financial service providers and many types of financial advisors. The relaxation of industry regulations, industry consolidation, the subtle, and ongoing, shift from transaction based business to fee based business, and the trend toward small independent firms has produced a whole new playing field. Most firms, large and small, and their advisors now offer a vast mix of products and services from banking to investments, tax planning, insurance, financial planning, you name it. So, it's no surprise that consumer confusion exists.

The recent increase in media interest in personal identity theft has provided a reminder that company identity theft at Companies House is still a major problem for UK limited companies. These companies are being encouraged to proactively take action to deal with company filing fraud at Companies House.

In regards to the Enron Collapse various parties have and may still be found to have a portion of the blame and shareholders and employees who have suffered most are certainly keen to see final outcomes to this situation. However one of the major contributors may never be accounted for; this being the market itself. When we ask how much blame we are really looking at dollars lost. In December 1999 the share price was $US100 plus, in March/April 2000 period it was around $US55 to $US60. On 19th December 2000 the price was $US 0.19, that is 19 cents before Enron went into liquidation. Using the Reported Annual results for the year ended 31st December 1999 and assuming no changes into the future, I have calculated the underlying intrinsic share price as $US4.54. This calculating is based on normal traditional discounted cash flow methodology. Is it any surprise that the share price of Enron was destined to decline sharply? A rapid decline in share price can lead to a lack of confidence in the stock and further add to the decline in price.