word
{OOV}
AT
THE
INTRODUCTION
sp
STAGE
ANYWAY
sp
CAN
sp
I
sp
WELCOME
sp
YOU
sp
ON
sp
BEHALF
sp
OF
THE
sp
NOTTS
sp
COUNTY
sp
COUNCIL
sp
TO
THE
THE
sp
NOTTINGHAMSHIRE
PRE
sp
RETIREMENT
sp
{OOV}
YOU'LL
sp
SEE
MY
NAME'S
ON
sp
HERE
sp
BERNARD
{GAP_ANONYMIZATION}
sp
AND
sp
THERE'S
sp
ALWAYS
THE
INFORMALITY
ABOUT
sp
THESE
sp
COURSE
WE'RE
ALL
sp
ADDRESSED
ON
sp
CHRISTIAN
sp
NAME
sp
TERMS
sp
ALL
sp
{OOV}
SPEAKERS
sp
PREFER
IT
THAT
sp
WAY
AND
sp
OF
COURSE
sp
WE
sp
LIKE
TO
sp
ADDRESS
sp
YOU
{OOV}
CHRISTIAN
sp
NAME
sp
TERMS
WHEN
WE
KNOW
YOU
sp
AND
sp
WHEN
I
sp
SAW
BOB
sp
{GAP_ANONYMIZATION}
sp
'S
NAME
ON
sp
THERE
I
THOUGHT
sp
WELL
sp
I
KNOW
ONE
sp
FACE
sp
AT
LEAST
sp
{OOV}
sp
ALMOST
ON
THE
sp
POINT
OF
SAYING
WELL
sp
I
sp
THERE
WAS
sp
ONE
sp
FRIENDLY
FACE
sp
BUT
THAT
IS
ASKING
{OOV}
THE
IMPRESSION
sp
THAT
sp
ALL
THE
OTHERS
ARE
{OOV}
UNFRIENDLY
sp
WHICH
ISN'T
sp
{OOV}
NEVERTHELESS
sp
IT
WAS
sp
NICE
sp
{OOV}
NICE
TO
sp
KNOW
THAT
THERE'S
sp
SOMEONE
sp
{OOV}
sp
ER
RIGHT
sp
SO
AS
I
SAY
IT'S
sp
A
sp
LIGHTHEARTED
sp
APPROACH
AND
sp
ON
sp
CHRISTIAN
NAME
sp
TERMS
AND
sp
WITH
THAT
IN
sp
MIND
sp
WOULD
YOU
DETACH
ONE
OF
THESE
AND
sp
JUST
sp
STICK
YOUR
NAME
sp
ON
sp
SO
THAT
AT
LEAST
sp
IF
YOU
DON'T
sp
KNOW
sp
{OOV}
THEN
AT
SOME
sp
STAGE
DURING
THE
sp
COURSE
YOU
{OOV}
STAND
sp
A
sp
GOOD
sp
CHANCE
sp
OF
sp
GETTING
sp
TO
KNOW
sp
EACH
OTHER
BECAUSE
sp
AGAIN
THE
ESSENCE
OF
THIS
COURSE
IS
sp
INFORMALITY
sp
AND
TALKING
sp
AS
YOU
sp
KNOW
sp
AS
sp
AS
sp
TEACHERS
sp
THIS
sp
IS
THE
WAY
THAT
{OOV}
INFORMATION
{OOV}
sp
RIGHT
I
sp
SHAN'T
sp
ER
BE
ABLE
TO
REMEMBER
ALL
YOUR
NAMES
sp
BUT
sp
ER
sp
NEVERTHELESS
sp
IF
sp
YOU
sp
KNOW
EACH
sp
OTHER
sp
THEN
ER
ER
YOU
MAY
HAVE
sp
WONDERED
WHAT
THE
NOTTINGHAMSHIRE
PRE
RETIREMENT
COUNCIL
IS
WELL
WE
ARE
A
CHARITY
sp
STARTED
OFF
sp
GIVING
ER
sp
SORT
OF
sp
TALKS
sp
AT
ER
NO
sp
CHARGE
sp
AT
ALL
sp
TO
{OOV}
WHO
COULDN'T
AFFORD
IT
sp
AND
HAVE
NOW
EXPANDED
sp
INTO
GIVING
sp
TALKS
sp
ON
A
COMMERCIAL
BASIS
TO
VARIOUS
sp
COMPANIES
sp
ER
sp
USUALLY
sp
SPEND
A
sp
LOT
A
sp
LOT
sp
OF
TIME
sp
IN
THE
NORTH
sp
OF
THE
COUNTY
sp
TALKING
TO
POWER
STATIONS
sp
AND
sp
PEOPLE
LIKE
THAT
INDUSTRIAL
sp
RATHER
sp
THAN
COMMERCIAL
OR
EDUCATIONAL
sp
BUT
ER
sp
THERE
sp
WE
sp
ARE
ER
WE'RE
FINANCED
sp
BY
GRANTS
FROM
VARIOUS
AUTHORITIES
sp
AND
BY
sp
PAYMENTS
sp
OF
COURSE
sp
FROM
THE
BODIES
WHO
ASK
sp
US
sp
TO
sp
PUT
ON
sp
THESE
sp
TALKS
AND
sp
ER
OVER
THE
YEARS
sp
WE'VE
sp
BUILT
UP
A
REPUTATION
sp
{OOV}
I
KNOW
IS
IS
A
GENUINE
sp
ONE
sp
{OOV}
SAY
THAT
sp
BECAUSE
sp
I
KNOW
sp
THAT
YOU'RE
sp
GOING
sp
TO
APPRECIATE
sp
THIS
sp
COURSE
AND
sp
I
sp
USE
sp
THE
TERM
sp
VERY
VERY
sp
PARTICULARLY
sp
YOU
WILL
ENJOY
sp
IT
sp
AGAIN
sp
ONE
OF
THE
ESSENTIAL
ELEMENTS
{OOV}
sp
PICKING
UP
INFORMATION
sp
IS
THAT
sp
IF
sp
YOU
ENJOY
YOU
WILL
sp
THEN
sp
LEARN
MORE
I
sp
FIND
sp
IT
SO
sp
RIGHT
sp
SOME
OF
OUR
SPEAKERS
ARE
RETIRES
sp
I
I'VE
BEEN
sp
RETIRED
sp
QUITE
sp
A
NUMBER
sp
OF
sp
YEARS
AS
sp
YOU'LL
HAVE
NOTICED
I
sp
GIVE
sp
THE
sp
TALK
ON
sp
INCOME
TAX
AND
sp
I'M
A
sp
RETIRED
sp
TAX
sp
INSPECTOR
sp
AND
SO
WE
BRING
sp
ER
sp
A
SPECIAL
SORT
sp
OF
sp
ER
EXPERTISE
sp
I
SUPPOSE
sp
TO
sp
THE
TALKS
BUT
ALSO
THE
EXPERIENCE
OF
RETIREMENT
sp
WHICH
sp
WE
sp
THINK
sp
IS
sp
IS
REALLY
sp
GOOD
sp
BY
SOMEONE
sp
WHO
HAS
ALREADY
RETIRED
ENJOYING
RETIREMENT
sp
TO
BE
ABLE
COME
TO
TALK
sp
TO
PEOPLE
{OOV}
WE
OFTEN
sp
MEET
sp
PEOPLE
sp
WHO
ARE
sp
IN
IN
THEIR
sp
FORTIES
AND
sp
FIFTIES
sp
ON
ER
sp
EARLY
sp
RETIREMENT
AND
sp
{OOV}
LITTLE
sp
BIT
sp
DIFFICULT
sp
TO
sp
GET
OVER
sp
THE
MESSAGE
sp
{OOV}
THEY
DON'T
sp
THEY
DON'T
sp
SEE
IT
sp
AS
RETIREMENT
AND
YET
sp
SURPRISINGLY
sp
VERY
sp
FEW
OF
THE
sp
PEOPLE
sp
WHO
GOT
REDUNDANCY
sp
AT
FORTY
AND
sp
FORTY
sp
FIVE
sp
AND
sp
FIFTY
SEEM
TO
BE
BOTHERED
ABOUT
sp
TAKING
sp
UP
sp
OTHER
WORK
{OOV}
AT
sp
ALL
sp
THAT
sp
{OOV}
OBVIOUSLY
YOU'LL
sp
SAY
THE
SIZE
sp
OF
sp
THEIR
sp
PENSIONS
sp
AND
sp
LUMP
SUMS
sp
THAT
sp
DOESN'T
sp
SEEM
sp
TO
sp
BE
sp
{OOV}
SO
AT
sp
SOME
STAGES
sp
IT
IS
A
LITTLE
DIFFICULT
sp
GETTING
sp
IT
OVER
sp
AS
A
sp
AS
sp
A
sp
A
RETIRED
sp
PERSON
sp
TALKING
TO
sp
SOMEONE
WHO
sp
IS
FACING
sp
REDUNDANCY
sp
ABOUT
sp
RETIREMENT
sp
PARTICULARLY
WHEN
SOME
sp
OF
OUR
sp
SPEAKERS
sp
TALK
ABOUT
ER
GETTING
sp
THE
sp
STATE
sp
RETIREMENT
sp
PENSION
sp
AT
sp
SIXTY
FIVE
{OOV}
TALKING
sp
TO
I'M
ONLY
sp
FORTY
sp
FIVE
sp
{OOV}
SO
sp
THERE
IS
THIS
sp
MIXTURE
OF
sp
ER
OF
sp
THE
sp
OLDER
ELEMENT
AND
sp
THE
sp
YOUNGER
ELEMENT
sp
WHICH
WE'VE
sp
GOT
sp
TO
sp
SORT
OF
MARRY
sp
DURING
sp
THIS
sp
COURSE
sp
SO
IF
sp
YOU
sp
FEEL
AT
SOME
STAGE
sp
THAT
ER
{OOV}
THIS
ISN'T
sp
FOR
ME
sp
THEN
sp
ONE
OF
THE
THINGS
THAT
sp
WE
REGULARLY
HEAR
sp
IS
sp
I
WISH
I'D
sp
DONE
sp
THIS
COURSE
sp
TEN
sp
YEARS
sp
AGO
SO
sp
IN
sp
{OOV}
sp
SEE
sp
THINGS
sp
THAT
YOU
CAN
sp
DO
IN
sp
FUTURE
LET
ME
sp
KNOW
sp
PARTICULARLY
WITH
sp
THE
sp
WITH
sp
THE
FINANCE
sp
ER
sp
S
SPEAKER
sp
RIGHT
sp
WHERE
ARE
sp
WE
sp
UP
sp
TO
sp
BUT
sp
ALL
OUR
SPEAKERS
sp
ARE
CHOSEN
BY
sp
THE
sp
PRE
RETIREMENT
sp
COUNCIL
sp
AND
BY
YOUR
EMPLOYERS
BY
THE
WAY
sp
WHO
sp
OVER
A
PERIOD
OF
TIME
HAVE
SELECTED
sp
THE
OH
WELL
sp
WE
sp
DON'T
WANT
{OOV}
HIM
sp
AGAIN
sp
OR
sp
THAT
FIRM
sp
AGAIN
sp
SO
sp
THEY'VE
ALL
WE'VE
sp
ALL
sp
BEEN
sp
VETTED
sp
OVER
OVER
A
sp
NUMBER
OF
YEARS
SO
WE'VE
ALL
sp
{OOV}
sp
SPEAKERS
sp
{OOV}
CHOSEN
sp
FOR
sp
THEIR
sp
INTEGRITY
sp
AND
sp
CONFIDENCE
sp
THE
AIM
OF
THE
COURSE
IS
sp
TO
PROVIDE
ADVICE
AND
INFORMATION
sp
BUT
AS
I
SAID
AT
THE
sp
BEGINNING
TO
GET
YOU
sp
TALKING
sp
ABOUT
sp
IT
BECAUSE
ONLY
sp
THEN
CAN
sp
YOU
LEARN
sp
THINGS
sp
I
OFTEN
sp
SAY
JOKINGLY
sp
THAT
sp
{OOV}
YOU
sp
MAKE
A
sp
COMMENT
sp
TO
sp
SOMEBODY
AND
sp
YOU
sp
FIND
YOU'RE
TALKING
TO
THE
WORLD
sp
EXPORT
sp
ON
sp
EXPERT
sp
ON
sp
WHATEVER
IT
IS
sp
IT
sp
IS
sp
SURPRISING
HOW
OFTEN
sp
YOUR
sp
QUESTIONS
ARE
ANSWERED
sp
BY
A
sp
CASUAL
sp
COMMENT
sp
FROM
sp
SOMEBODY
sp
{OOV}
YOU'VE
BEEN
BOTHERED
BY
SOMETHING
sp
FOR
AGES
AND
sp
JUST
sp
HAPPEN
TO
MENTION
IT
SOMEBODY
sp
AS
YOU'RE
WALKING
sp
BY
sp
OH
YES
sp
{OOV}
AND
sp
THIS
sp
I
I
FIND
sp
IS
ONE
OF
sp
THE
sp
HELPFUL
sp
THINGS
AND
sp
WHEN
sp
YOU
GET
TOGETHER
sp
NOT
sp
DURING
sp
THE
sp
ACTUAL
TALKING
sp
THE
sp
ACTUAL
SESSION
sp
BUT
sp
ER
{OOV}
sp
I
MENTIONED
sp
THE
AGE
sp
RELATED
sp
THING
ABOUT
sp
THE
sp
DIFFICULTY
sp
OF
TALKING
ABOUT
{OOV}
EXCUSE
sp
ME
sp
COULD
YOU
sp
SPEAK
UP
sp
JUST
sp
A
LITTLE
sp
BIT
YES
sp
YES
sp
ER
sp
THANK
YOU
sp
ANY
PROBLEMS
LIKE
THAT
sp
DON'T
sp
HESITATE
sp
JUST
sp
JOIN
sp
IN
AND
sp
JUMPING
AHEAD
sp
ON
THE
QUESTION
OF
sp
QUESTIONS
sp
ALL
sp
OUR
SPEAKERS
LIKE
YOU
sp
TO
ASK
sp
THEM
sp
AS
THEY
OCCUR
sp
TO
sp
YOU
SO
DON'T
sp
FEEL
sp
THAT
sp
THAT
YOU
sp
SHOULD
WAIT
UNTIL
THE
END
sp
ALTHOUGH
WE
DO
LEAVE
A
sp
A
sp
{OOV}
LITTLE
BIT
AT
THE
END
sp
JUST
sp
FOR
sp
QUESTIONS
sp
AND
YOU
MAY
HAVE
NOTICED
sp
THAT
sp
THERE'S
sp
EITHER
A
sp
TEA
BREAK
OR
A
MEAL
BREAK
AFTER
sp
EACH
sp
TALK
sp
WHICH
{OOV}
IF
YOU'VE
sp
GOT
ANYTHING
sp
PERSONAL
sp
PARTICULARLY
sp
ON
INCOME
TAX
sp
FOR
EXAMPLE
sp
THE
sp
YOU
BUTTONHOLE
sp
THE
SPEAKER
sp
DURING
THE
sp
TEA
OR
COFFEE
BREAK
sp
AND
THEY
DON'T
MIND
AT
ALL
sp
SO
DON'T
HESITATE
{OOV}
RIGHT
ONE
OF
THE
THINGS
sp
THAT
sp
ER
sp
WE
sp
TRY
TO
sp
PASS
sp
ON
sp
IS
THAT
sp
YOU'LL
sp
PICK
UP
sp
A
LOT
OF
INFORMATION
sp
WHICH
sp
MAY
NOT
BE
RELEVANT
sp
TO
YOU
sp
BUT
sp
MAY
BE
RELEVANT
sp
TO
MEMBERS
OF
YOUR
sp
FAMILY
OR
sp
FRIENDS
sp
BUT
sp
PASS
sp
IT
sp
ON
NOW
I
I
MENTIONED
sp
SOME
OF
THE
THINGS
ON
INCOME
sp
TAX
sp
WHERE
I
KNOW
IT
DOESN'T
ER
sp
APPLY
TO
THE
PEOPLE
sp
IN
sp
THE
GROUP
sp
BUT
sp
MAY
WELL
DO
sp
TO
RELATIVES
sp
OF
sp
THEM
BUT
DON'T
sp
HESITATE
{OOV}
TELL
sp
PEOPLE
sp
ABOUT
sp
IT
sp
PASS
ON
YOUR
INFORMATION
sp
WELL
THE
sp
AS
YOU'LL
HAVE
NOTICED
sp
THE
sp
COURSE
IS
sp
DESIGNED
AROUND
sp
A
SERIES
OF
sp
TALKS
sp
BUT
sp
THEY
ARE
BY
NO
MEANS
sp
LECTURES
sp
THERE
IS
sp
VERY
MUCH
sp
A
JOINING
IN
ELEMENT
sp
PARTICIPATION
sp
IS
sp
WELCOME
sp
BY
ALL
sp
THE
sp
SPEAKERS
sp
{OOV}
FEEL
sp
FREE
TO
sp
QUESTION
sp
{OOV}
sp
INTELLIGENT
sp
PARTICIPATION
sp
THAT
ER
sp
BRINGS
OUT
AS
sp
YOU
WELL
KNOW
THE
BEST
IN
sp
IN
ALL
sp
{OOV}
sp
AND
WE
TRY
TO
sp
SHOW
THAT
sp
RETIREMENT
sp
CAN
sp
BE
sp
A
REWARDING
AND
sp
FULFILLING
sp
I
sp
FIND
IT
sp
SO
ANYWAY
sp
SO
sp
I
sp
CAN
sp
SELL
sp
THINGS
sp
IN
THAT
sp
ER
SENSE
sp
HAVING
sp
AN
sp
EXPERIENCE
RATHER
A
YOUNG
sp
PERSON
sp
TALKING
sp
TO
sp
OLDER
sp
PEOPLE
sp
HOW
ER
sp
FULFILLING
IT
sp
WIS
IS
sp
IN
sp
RETIREMENT
sp
WELL
sp
I
KNOW
IT
IS
sp
AND
sp
ER
I
sp
HOPE
IT
sp
COMES
OVER
IN
A
sp
GENUINE
sp
WAY
BUT
sp
ER
IN
EFFECT
WE'RE
TRYING
sp
TO
sp
SHOW
YOU
sp
HOW
sp
FULFILLING
AND
sp
REWARDING
sp
ER
YOU
CAN
MAKE
RETIREMENT
sp
REWARDING
IN
A
sp
FINANCIAL
SENSE
I
THINK
YOU'LL
FIND
sp
ONCE
YOU'VE
sp
HEARD
{OOV}
SOME
OF
THE
SUBJECTS
sp
ARE
A
BIT
HEAVIER
THAN
sp
OTHERS
THIS
sp
IS
sp
THE
sp
FAULT
sp
OF
sp
OF
ER
{OOV}
sp
BEHIND
THE
FACT
sp
ER
WE
HAVE
sp
TO
ASK
sp
SPEAKERS
sp
WHEN
sp
THEY
CAN
sp
COME
sp
TO
GIVE
sp
THEIR
sp
TALK
AND
sp
THEY
HAVE
TO
sp
FIT
sp
IT
sp
INTO
THEIR
DIARY
SOMETIMES
WE
sp
{OOV}
GET
A
PARTICULARLY
sp
HEAVY
DAY
sp
THOUGH
ER
sp
I
sp
APOLOGIZE
sp
FOR
sp
THAT
THAT
IN
sp
ADVANCE
sp
BUT
sp
ER
sp
DON'T
LOSE
sp
YOUR
sp
CONCENTRATION
sp
YOU'LL
CERTAINLY
sp
MISS
SOMETHING
sp
WE'VE
GOT
A
sp
FOLDER
FOR
EACH
OF
YOU
sp
PLEASE
HELP
YOURSELF
sp
IT
sp
CONTAINS
sp
QUITE
A
LOT
OF
sp
ER
INFORMATION
sp
LEAFLETS
sp
AND
sp
WHATNOT
sp
AND
sp
SOME
OF
OUR
SPEAKERS
WILL
sp
BRING
THEIR
OWN
LEAFLETS
sp
ER
sp
MAKE
NOES
sp
BY
ALL
MEANS
sp
BUT
YOU
MAY
sp
FIND
sp
THAT
sp
ER
sp
YOU'LL
sp
GET
ER
sp
GOOD
sp
HANDOUTS
FROM
SOME
OF
THE
sp
SPEAKERS
sp
NOT
EVERY
NOT
sp
ALL
OF
sp
THEM
sp
{OOV}
sp
I
DON'T
KNOW
sp
WHETHER
THE
ER
sp
OUR
sp
ER
LEGAL
sp
SPEAKER
sp
WILL
sp
WILL
sp
WILL
sp
BRING
ANY
ER
sp
INFORMATION
sp
BUT
sp
ER
sp
THIS
sp
IS
THE
SORT
OF
THING
THAT
SOME
OF
THE
sp
ER
sp
SOLICITORS
sp
BRING
sp
{OOV}
PRE
RETIREMENT
COURSE
sp
LEGAL
sp
ASPECTS
sp
OF
RETIREMENT
sp
AND
IF
sp
ER
sp
IF
sp
WE
YOU
DON'T
GET
A
HANDOUT
LIKE
sp
THIS
sp
FROM
ER
sp
MISTER
sp
{GAP_ANONYMIZATION}
I'VE
NOT
sp
MET
MET
MISTER
{GAP_ANONYMIZATION}
sp
BEFORE
sp
THIS
IS
AVAILABLE
IF
sp
ANYONE
sp
WANTS
sp
TO
LOOK
AT
IT
sp
DURING
sp
THE
sp
COURSE
sp
I'LL
sp
KEEP
IT
sp
OUT
OF
HIS
sp
WAY
sp
WHILST
sp
HE'S
sp
TALKING
sp
OR
HE'LL
sp
THINK
HELLO
THERE'S
A
sp
COMPETITOR
IN
sp
THE
sp
WINGS
sp
{OOV}
I
THINK
YOU'VE
GOT
A
GREEN
sp
FOLDER
WITH
A
sp
QUESTIONNAIRE
IN
IT
sp
HAVEN'T
sp
YOU
sp
IF
sp
YOU'LL
sp
COMPLETE
sp
THAT
DURING
THE
sp
COURSE
sp
TOWARDS
sp
THE
sp
ENDS
OF
THE
COURSE
WHEN
YOU'VE
sp
AH
WELL
sp
I'VE
sp
GOT
sp
A
sp
LITTLE
sp
NOTE
sp
THAT
sp
QUESTIONNAIRES
SHOULD
BE
IN
{OOV}
GREEN
FOLDER
sp
WELL
sp
I'VE
GOT
A
SUPPLY
sp
OF
OF
sp
QUESTIONNAIRES
sp
SO
ER
I'M
sp
SORRY
sp
IF
sp
YOU
sp
{OOV}
SO
sp
I'LL
sp
COME
IN
sp
THIS
sp
IS
THE
sp
PRE
RETIREMENT
COURSE
sp
PRE
RETIREMENT
sp
YES
THANK
sp
YOU
sp
YES
sp
HELLO
{OOV}
ARE
YOU
THE
GENTLEMAN
WITH
sp
CAR
TROUBLE
sp
I
AM
THANK
YOU
NO
sp
LONGER
I
HOPE
sp
ANYWAY
sp
WELCOME
sp
{OOV}
I
sp
WAS
JUST
SAYING
THAT
sp
DURING
sp
THE
COURSE
OF
TODAY
I
sp
HOPE
sp
YOU'LL
COMPLETE
sp
A
sp
QUESTIONNAIRE
sp
FEEL
FREE
sp
TO
BE
ER
sp
COMPLEMENTARY
OR
sp
CRITICAL
AS
YOU
WISH
sp
BEAR
IN
MIND
OF
sp
COURSE
sp
THAT
ER
sp
MOST
sp
OF
SPEAKERS
ARE
sp
VOLUNTEERS
sp
SO
sp
{OOV}
YOU
MEAN
YOU
WANT
sp
US
TO
sp
BE
KIND
TO
THEM
NOT
REALLY
sp
{OOV}
I
JUST
sp
SAY
THAT
BECAUSE
{OOV}
ONE
ER
PERSON
WHO
COMPLETED
A
sp
QUESTIONNAIRE
sp
WAS
sp
QUITE
sp
ER
sp
WAS
sp
QUITE
sp
NASTY
sp
IN
sp
THEIR
COMMENTS
sp
AND
sp
ER
IT
sp
ISN'T
REALLY
APPROPRIATE
sp
WHEN
sp
PEOPLE
ARE
sp
VOLUNTEERS
IT'S
DIFFERENT
IF
YOU'RE
sp
PAID
TO
sp
COME
sp
HERE
TO
GIVE
A
TALK
sp
AND
YOU
PUT
UP
sp
A
sp
POOR
sp
SHOW
BUT
IF
YOU'VE
VOLUNTEERED
sp
THEN
ER
I
sp
THINK
sp
ER
sp
YOU
sp
KNOW
sp
YOU
YOU
REALLY
sp
OUGHT
TO
sp
HAVE
sp
A
sp
DIFFERENT
sp
APPROACH
sp
TO
sp
{OOV}
BUT
sp
CRITICIZE
sp
BY
ALL
MEANS
sp
I
sp
THOUGHT
sp
I
OUGHT
TO
sp
TELL
sp
YOU
sp
THAT
RIGHT
sp
AND
ALSO
COMMENTS
sp
AND
SUGGESTIONS
sp
ALTHOUGH
WE'VE
BEEN
sp
IN
THE
BUSINESS
FOR
sp
A
sp
NUMBER
OF
YEARS
ER
COMMENTS
sp
AND
sp
SUGGESTIONS
sp
ARE
sp
ALWAYS
sp
ER
sp
WELCOMED
AND
AND
sp
AND
sp
CONSIDERED
sp
VERY
sp
CAREFULLY
sp
RIGHT
I'VE
MENTIONED
sp
QUESTIONS
sp
{OOV}
sp
YOU'LL
NOTICE
sp
THAT
sp
WE'VE
GOT
sp
MONEY
AND
RETIREMENT
sp
MISTER
sp
JOHN
sp
{GAP_ANONYMIZATION}
sp
FROM
sp
{GAP_ANONYMIZATION}
sp
NOW
sp
MOST
sp
OF
sp
YOU
MAY
HAVE
sp
SEEN
THE
sp
NAME
sp
{GAP_ANONYMIZATION}
sp
IN
sp
VARIOUS
sp
{OOV}
sp
ERM
sp
VERY
GOOD
sp
SPEAKER
JOHN
{GAP_ANONYMIZATION}
sp
YOU'LL
A
YOU'LL
sp
APPRECIATE
sp
{OOV}
sp
CAN'T
sp
REALLY
SAY
sp
ENJOY
HIS
sp
TALK
sp
BECAUSE
sp
HE
REALLY
GOES
ON
AND
sp
GIVES
YOU
A
LOT
OF
sp
INFORMATION
sp
YOU'LL
APPRECIATE
sp
IT
RATHER
sp
THAN
sp
ENJOY
IT
BUT
sp
I
NEED
TO
SAY
SOMETHING
ABOUT
sp
THE
INVESTMENT
sp
ADVISORS
sp
BECAUSE
sp
THEY'RE
IN
A
sp
SLIGHTLY
DIFFERENT
ER
sp
THEY
sp
COME
sp
HERE
sp
IN
sp
A
sp
SLIGHTLY
DIFFERENT
sp
CAPACITY
sp
TO
sp
OTHER
sp
SPEAKERS
AND
sp
THE
{OOV}
ALL
THESE
sp
FIRMS
sp
SPEAKERS
sp
WILL
BE
TALKING
sp
IN
sp
A
sp
VERY
sp
{OOV}
WAY
sp
ABOUT
sp
FINANCE
sp
THEY'RE
NOT
sp
GIVING
THE
sp
TALK
sp
AIMED
sp
AT
TELLING
YOU
sp
HOW
sp
BEST
sp
TO
INVEST
sp
YOUR
MONEY
IT'S
sp
MERELY
sp
THE
sp
THE
PERILS
sp
AND
sp
PITFALLS
sp
OF
INVESTMENT
sp
HOW
sp
BEST
sp
TO
{OOV}
sp
BUT
sp
DURING
THAT
sp
TALK
AND
THIS
sp
IS
WHERE
sp
WE
NEED
sp
TO
CONCENTRATE
sp
HE'LL
sp
BE
sp
DROPPING
sp
SNIPPETS
sp
OF
INFORMATION
sp
{OOV}
AND
WHY
I
MENTION
THAT
sp
IS
sp
THAT
sp
THE
PURPOSE
sp
OF
THESE
sp
PEOPLE
sp
COMING
sp
THEY
ARE
COMMERCIAL
sp
THEY
ARE
COMING
HERE
sp
ON
A
sp
COMMERCIAL
sp
BASIS
sp
ER
sp
THERE
WON'T
BE
ANY
HARD
sp
SELL
{OOV}
QUITE
sp
{OOV}
QUITE
sp
CLEAR
ABOUT
sp
THIS
sp
YOU
WILL
NOT
sp
KNOW
THAT
sp
HE
sp
IS
sp
REALLY
ER
sp
HERE
IN
sp
A
sp
COMMERCIAL
sp
WAY
THIS
IS
sp
DELIBERATE
sp
BECAUSE
HE'S
COME
HERE
ON
THAT
sp
BASIS
sp
HE
sp
WILL
sp
TALK
TO
sp
YOU
sp
GENERALLY
ABOUT
INVESTMENT
ADVICE
sp
AND
DURING
sp
THE
sp
BREAK
sp
YOU'LL
BE
sp
ABLE
TO
TALK
sp
TO
HIM
YOU'LL
sp
BE
sp
ABLE
TO
ASK
QUESTIONS
sp
{OOV}
HIM
OUT
sp
BY
ALL
MEANS
ON
ANY
INVESTMENT
{OOV}
BUT
sp
THIS
IS
THE
DIFFERENCE
sp
AT
sp
THE
END
OF
sp
HIS
sp
TALK
sp
HE
WILL
BE
sp
HOPING
sp
THAT
YOU
WILL
COMPLETE
sp
AN
sp
APPLICATION
sp
FORM
FOR
sp
THEM
TO
sp
ADVISE
YOU
sp
INDIVIDUALLY
sp
WHICH
sp
WILL
BE
sp
A
FORM
sp
OF
sp
CONTRACT
BETWEEN
YOU
sp
AND
THEM
sp
YOU
DON'T
HAVE
TO
DO
sp
BUT
I
WOULD
ADVISE
YOU
sp
TO
DO
sp
SO
sp
BECAUSE
AT
ONE
OF
OUR
TALKS
sp
ER
sp
BEFORE
THE
FINANCIAL
sp
ADVISOR
sp
{OOV}
sp
SPOKEN
TO
A
sp
CHAP
sp
THAT
sp
HAPPENED
TO
BE
SITTING
NEAR
HIM
sp
WHEN
I
MOVED
sp
OUT
OF
sp
THIS
sp
DESK
{OOV}
AND
HE
GOT
RATHER
A
{OOV}
LU
sp
LARGE
INVESTMENT
sp
{OOV}
AND
sp
YET
M
sp
AND
sp
AND
HE
WAS
QUITE
HAPPY
WITH
HIS
INVESTMENT
sp
YET
sp
MUCH
sp
TO
MY
ASTONISHMENT
sp
HE
COMPLETED
sp
THIS
sp
APPLICATION
sp
FORM
sp
FOR
THE
sp
INVESTMENT
ADVISOR
sp
TO
ADVISE
HIM
ON
HIS
INVESTMENT
I
sp
SAID
I
sp
WOULDN'T
HAVE
sp
YOU
sp
WOULD
sp
HAVE
BOTHERED
sp
WELL
HE
SAYS
sp
HE'LL
sp
TELL
sp
ME
sp
WHAT
HE
SUGGESTS
sp
AND
IF
sp
IT
AGREES
sp
WITH
WHAT
I'VE
GOT
sp
I'M
A
HAPPY
sp
MAN
AREN'T
I
sp
IF
sp
IT
sp
DOESN'T
sp
I
CAN
CONSIDER
sp
CHANGING
sp
BUT
sp
HE
sp
SAID
I
sp
PROBABLY
sp
WON'T
TAKING
ANY
NOTICE
sp
OF
sp
IT
sp
AT
sp
ALL
SO
THERE
ARE
TWO
THINGS
sp
ER
YOU
WILL
sp
JOHN
sp
WILL
sp
HOPE
sp
YOU
WILL
sp
A
sp
APPLY
TO
THE
sp
THE
sp
HIS
sp
FIRM
sp
TO
ADVISE
YOU
INDIVIDUALLY
sp
YOU
sp
NEEDN'T
DO
SO
sp
YOU
NEEDN'T
COMPLETE
IT
sp
AT
ALL
sp
THERE'S
NO
sp
HARD
SELL
sp
YOU
CAN
THEN
COMPLETE
IT
sp
AND
THEN
HE
WILL
MAKE
AN
APPOINTMENT
sp
WITH
YOU
sp
TO
COME
sp
TO
YOUR
HOUSE
sp
AND
HE'LL
SPEND
QUITE
A
LOT
sp
OF
TIME
THEY
REALLY
DO
sp
ASCERTAINING
YOUR
sp
PERSONAL
CIRCUMSTANCES
sp
ANY
DEPENDANTS
sp
WHAT
YOUR
INVESTMENT
sp
POLICIES
ARE
sp
WHAT
YOUR
NEED
sp
FOR
MONEY
WILL
BE
sp
OVER
THE
SHORT
sp
TERM
sp
AND
THE
LONG
TERM
sp
BECAUSE
sp
THEY
ARE
REQUIRED
sp
BY
LAW
sp
TO
GIVE
YOU
THE
BEST
sp
INVESTMENT
ADVICE
sp
AND
UNLESS
sp
THEY
sp
FIND
OUT
sp
YOUR
sp
PERSONAL
sp
DETAILS
sp
THEY
CAN'T
sp
DO
sp
THAT
AND
IF
THEY
sp
FAIL
sp
TO
sp
FIND
ALL
YOUR
INFORMATION
sp
AND
RECOMMEND
sp
SOMETHING
sp
AND
THEN
sp
YOU
sp
SAY
sp
WELL
ER
{OOV}
sp
INVALID
sp
SON
OR
sp
PARENTS
AND
sp
I
NEED
THAT
MONEY
sp
THEN
sp
HE'S
AT
sp
FAULT
AND
YOU
CAN
sp
THEN
sp
ER
TAKE
sp
THEM
sp
TO
sp
COURT
sp
FOR
FAILING
sp
TO
sp
GIVE
YOU
BEST
sp
ADVICE
sp
SO
sp
THEY
REALLY
DO
GO
TO
TOWN
IN
sp
FINDING
OUT
sp
YOUR
PERSONAL
sp
{OOV}
EXISTING
INVESTMENTS
sp
AND
THEN
THEY
WILL
HE
sp
WILL
SEND
YOU
A
sp
WRITTEN
REPORT
sp
ON
sp
HOW
BEST
sp
YOU
sp
SHOULD
sp
INVEST
sp
YOUR
MONEY
sp
LUMP
sp
SUMS
sp
OR
sp
{OOV}
EXISTING
sp
INVESTMENTS
sp
AND
AT
sp
THAT
sp
STAGE
sp
YOU
sp
CAN
SAY
sp
NO
sp
THANK
YOU
sp
AND
OUR
ADVICE
sp
IS
sp
TAKE
sp
THE
REPORT
sp
AND
THEN
GO
TO
ANOTHER
INVESTMENT
ADVISOR
sp
AND
sp
THEY
WILL
DO
sp
PRECISELY
THE
sp
SAME
sp
AND
YOU
CAN
COMPARE
THE
TWO
sp
AND
STILL
SAY
sp
NO
THANK
YOU
sp
AND
AT
sp
THAT
sp
POINT
IT
IS
sp
ABSOLUTELY
FREE
sp
THE
sp
SERVICE
sp
IS
COMPLETELY
sp
HELLO
sp
COME
sp
IN
{OOV}
sp
RETIREMENT
COURSE
sp
PRE
RETIREMENT
sp
YES
WE'VE
sp
BEEN
IN
sp
THE
sp
BUILDING
FOR
HOURS
sp
ACTUALLY
AH
sp
WE'RE
TALKING
sp
ABOUT
THE
sp
FINANCIAL
SPEAKER
AND
THE
WAY
THEY
AND
sp
I
sp
I'M
AFRAID
I
SH
sp
WE
sp
SHAN'T
HAVE
TIME
TO
sp
GO
sp
BACK
AND
{OOV}
ER
TELL
sp
YOU
WHAT
I'M
sp
SAYING
sp
BUT
sp
ER
sp
I
sp
HOPE
sp
YOU
sp
CAN
sp
PICK
sp
IT
sp
UP
sp
SO
YOU'VE
GOT
THE
sp
YOU'VE
GOT
THE
THREE
THINGS
{OOV}
THE
THE
THE
sp
FINANCIAL
sp
SPEAKER
IS
REALLY
COMING
HERE
IN
A
COMMERCIAL
WAY
BUT
sp
WITH
NO
HARD
sp
SELL
sp
IN
THE
HOPE
sp
THAT
sp
YOU
WILL
BECOME
sp
ER
sp
ONE
OF
THEIR
sp
CLIENTS
sp
FOR
INDIVIDUAL
sp
INVESTMENT
ADVICE
sp
BUT
sp
YOU
NEEDN'T
sp
DO
sp
SO
sp
IF
YOU
DO
sp
AND
THEY
COMPLETE
A
REPORT
AND
sp
GIVE
YOU
THEIR
sp
BEST
ADVICE
sp
YOU
CAN
sp
STILL
SAY
sp
NO
THANK
YOU
I'M
sp
GOING
sp
TO
PUT
IT
IN
sp
THE
BUILDING
sp
SOCIETY
sp
IF
YOU
THEN
SAY
sp
YES
I
THINK
THAT'S
sp
VERY
GOOD
sp
I'LL
sp
DO
AS
YOU
sp
SAY
sp
YOU
DO
NOT
sp
REPEAT
sp
NO
sp
GIVE
THEM
YOUR
MONEY
sp
OR
sp
LET
sp
THEM
HANDLE
YOUR
sp
MONEY
sp
THEY
WILL
sp
SAY
sp
INVEST
sp
IN
sp
WHATEVER
IT
IS
sp
SAY
sp
GLOBAL
INVESTMENT
sp
NO
IT
WON'T
BE
sp
BECAUSE
sp
THAT'S
sp
TIED
sp
TO
THE
sp
HALIFAX
sp
BUILDING
SOCIETY
BUT
JUST
SAY
GLOBAL
INVESTMENTS
sp
AS
sp
A
NAME
sp
IF
THEY
SAY
sp
ER
sp
WE
sp
THINK
YOU
SHOULD
sp
PUT
sp
ALL
YOUR
sp
MONEY
sp
{OOV}
sp
INTO
sp
GLOBAL
INVESTMENTS
sp
THEN
YOU
SEND
YOUR
sp
CHEQUE
sp
TO
GLOBAL
INVESTMENTS
sp
YOU
NEVER
sp
SEND
sp
YOUR
sp
MONEY
sp
THROUGH
sp
ANY
OF
THESE
INVESTMENT
sp
ADVISORS
sp
IF
sp
YOU
DO
sp
GO
sp
TO
A
sp
SECOND
INVESTMENT
sp
ADVISOR
sp
AND
JOHN
MAY
WELL
sp
ADVISE
TO
sp
DO
SO
sp
THEY
SOMETIMES
DO
sp
SAY
GO
sp
SOMEWHERE
ELSE
sp
BEFORE
YOU
TAKE
OUR
ADVICE
sp
ERM
sp
AND
THEY
SAY
sp
WILL
YOU
PLEASE
LET
ME
sp
HAVE
sp
YOUR
sp
CHEQUE
sp
FOR
sp
INVESTMENT
WALK
sp
OUT
sp
BECAUSE
sp
YOU
SHOULD
sp
NEVER
sp
DEAL
WITH
sp
THESE
sp
PEOPLE
sp
IN
sp
A
sp
CASH
sp
BASIS
sp
IT'S
ONLY
AN
ADVISORY
sp
BASIS
sp
AND
sp
JOHN
sp
WILL
MAKE
sp
THIS
CRYSTAL
sp
CLEAR
sp
SO
REALLY
YOU'RE
sp
YOU
CAN'T
sp
LOSE
sp
THEY
COME
sp
THEY
sp
GIVE
YOU
THE
BEST
ADVICE
THEY
sp
GIVE
IT
sp
IN
A
sp
WRITTEN
sp
FORM
sp
HELLO
sp
HELLO
sp
I'M
sp
SORRY
sp
I'M
sp
LATE
THAT'S
ALRIGHT
sp
AND
sp
THEN
sp
IF
IT'S
UP
TO
YOU
TO
sp
TO
TAKE
IT
OR
LEAVE
IT
AND
sp
YOU'LL
SAY
sp
WELL
sp
THERE
MUST
BE
A
CATCH
IN
sp
IT
SOMEWHERE
sp
THEY
OBVIOUSLY
AREN'T
sp
DOING
IT
sp
FOR
sp
FREE
sp
AND
THEY'RE
NOT
sp
OF
COURSE
BECAUSE
WHAT
sp
HAPPENS
sp
IS
IF
YOU
FOLLOW
THEIR
ADVICE
AND
sp
PUT
sp
TEN
sp
POUNDS
INTO
sp
GLOBAL
sp
INVESTMENT
sp
FOR
EXAMPLE
sp
THEN
sp
GLOBAL
INVESTMENTS
sp
WILL
sp
AT
sp
THAT
sp
STAGE
sp
WILL
sp
PAY
THEM
{OOV}
sp
IF
sp
IF
sp
YOU
DON'T
sp
THEY
WON'T
sp
HAVE
ANY
sp
COMMISSION
AT
sp
ALL
sp
SO
UP
sp
TO
THAT
POINT
sp
AND
sp
IF
IF
sp
NONE
OF
YOU
TAKE
ADVANTAGE
sp
OF
sp
THEIR
OFFER
sp
THEN
THEY
sp
WON'T
BE
sp
PAID
sp
AT
ALL
AND
YOU
MIGHT
SAY
sp
WELL
I'LL
NOT
sp
TAKE
sp
THEIR
sp
ADVICE
I'LL
INVEST
sp
IT
DIRECTLY
sp
WITH
sp
GLOBAL
sp
AND
sp
YOU'LL
sp
FIND
THAT
{OOV}
COS
sp
GLOBAL
'LL
sp
KEEP
IT
sp
FOR
THEMSELVES
sp
{OOV}
SO
sp
IF
sp
YOU
sp
IT'S
A
NO
sp
NO
sp
WIN
sp
SITUATION
sp
IN
THAT
SENSE
sp
BUT
sp
THE
sp
POINT
I'M
MAKING
IS
sp
THAT
sp
UP
TO
THE
END
OF
sp
GIVING
YOU
ADVICE
sp
IT
IS
PERFECTLY
sp
FREE
sp
THERE
sp
IS
sp
NO
sp
CHARGE
ON
sp
YOU
sp
WHATSOEVER
sp
{OOV}
SO
sp
I
sp
HOPE
sp
I'VE
sp
NOT
sp
COMPLICATED
THAT
{OOV}
I
I
ALWAYS
sp
FIND
IT'S
HELPFUL
sp
TO
SAY
sp
THIS
sp
ABOUT
THIS
SPEAKER
THIS
sp
{OOV}
BECAUSE
sp
NO
OTHER
SPEAKER
sp
NO
sp
SPEAKER
sp
IS
HERE
sp
WITH
sp
A
sp
{OOV}
ANY
QUESTIONS
sp
ON
sp
THE
{OOV}
I
CERTAINLY
ADVISE
YOU
TO
sp
KEEP
ASKING
QUESTIONS
sp
THROUGHOUT
sp
BECAUSE
sp
AS
I
SAY
sp
ALTHOUGH
THEY'RE
SPEAKING
IN
A
VERY
VERY
GENERAL
sp
WAY
THE
OFTEN
sp
SLIP
UP
AND
GIVE
YOU
A
sp
PARTICULAR
{OOV}
sp
THAT
sp
YOU
sp
CAN
sp
TAKE
sp
ADVANTAGE
sp
AND
IF
sp
YOU
LEAD
sp
THEM
ON
sp
THEN
THE
sp
MORE
INFORMATION
sp
IS
sp
AVAILABLE
TO
sp
YOU
{OOV}
DO
sp
ARE
YOU
AWARE
OF
THE
DIFFERENCE
sp
BETWEEN
sp
ERM
sp
AN
ADVISOR
sp
WHO
IS
sp
TIED
sp
AND
sp
ONE
sp
WHO
IS
sp
PERFECTLY
sp
FREE
sp
YOU
DO
sp
FIND
ADVISORS
sp
ARE
sp
TIED
I
sp
MENTIONED
sp
GLOBAL
INVESTMENTS
THEY'RE
TIED
sp
TO
THE
sp
HALIFAX
sp
BUILDING
sp
SOCIETY
SO
THAT
sp
IF
OUR
SPEAKER
FOR
EXAMPLE
sp
HAD
sp
BEEN
sp
JOHN
{GAP_ANONYMIZATION}
sp
FROM
sp
THE
sp
HALIFAX
sp
BUILDING
SOCIETY
HE
sp
WOULD
ONLY
BE
TALKING
ABOUT
sp
GLOBAL
sp
INVESTMENTS
sp
AND
{OOV}
I'VE
sp
NO
CRITICISM
OF
sp
GLOBAL
sp
INVESTMENTS
sp
THEY
MAY
WELL
BE
THE
BEST
FOR
sp
YOU
sp
BUT
sp
IT'S
SUCH
A
LIMITED
sp
RANGE
sp
WHEREAS
sp
THE
sp
THE
sp
{GAP_ANONYMIZATION}
AND
OTHER
sp
BODIES
sp
THAT
sp
COME
ON
sp
THESE
COURSES
sp
HAVE
GOT
sp
THE
WHOLE
sp
{OOV}
THE
WHOLE
INVESTMENT
sp
FIELD
sp
{OOV}
SO
ER
YOU
DO
sp
GET
sp
THE
sp
THE
sp
ADVANTAGES
sp
THERE
AND
sp
ALL
THOSE
sp
ER
sp
INDEPENDENT
sp
ADVISORS
sp
ARE
MEMBERS
sp
OF
sp
FIMBRA
I'M
sp
SURE
sp
JOHN
sp
WILL
MENTION
IT
sp
FINANCIAL
sp
INVESTMENT
sp
MANAGERS
sp
ETCETERA
sp
ETCETERA
IS
IT
ALSO
sp
TRUE
sp
TO
SAY
THAT
THEIR
GUESS
sp
IS
OFTEN
sp
NO
sp
BETTER
sp
THAN
sp
YOUR
OWN
sp
I
I
WOULDN'T
sp
DISPUTE
sp
THAT
sp
AT
sp
ALL
sp
THEY
THEY
ARE
REALLY
GUESSING
sp
EXCEPT
THAT
sp
ER
sp
THEY
ARE
MORE
LIKELY
sp
TO
BE
sp
RIGHT
sp
{OOV}
SO
OFTEN
IN
THE
sp
FINANCIAL
PRESS
YOU
SEE
sp
SHARES
sp
YES
AND
sp
THE
VARIOUS
ADVISORS
ARE
SAYING
sp
BUY
BUY
BUY
IF
sp
ONE
OF
THEM
sp
IS
SAYING
sp
MM
SELL
THAT
ONE
sp
YOU
THINK
sp
WELL
sp
WHO
IS
RIGHT
sp
WHO
IS
RIGHT
sp
I
THINK
sp
THEY'RE
sp
PROBABLY
MAKING
sp
EDUCATED
sp
GUESSES
sp
AREN'T
THEY
WHEREAS
sp
WE'RE
sp
MAKING
sp
STABS
IN
sp
THE
sp
DARK
sp
FIMBRA
ANYWAY
IS
THE
INDEPENDENT
ADVISOR
AND
sp
THE
OTHER
ONE'S
ARE
sp
MEMBERS
sp
OF
LAUTRO
sp
{OOV}
sp
BUT
I'M
sp
SURE
sp
JOHN
sp
WILL
{OOV}
GO
INTO
A
sp
LOT
sp
OF
DETAIL
I
ONLY
NEEDED
TO
MENTION
sp
{OOV}
NOW
ONTO
THE
SOLICITOR
sp
ONE
sp
ER
ALTHOUGH
HE
IS
ER
HE
IS
sp
IN
sp
THE
sp
COMMERCIAL
sp
WORLD
sp
HE'S
HE'S
NOT
sp
HERE
sp
UNDER
sp
{OOV}
IN
sp
THE
sp
SAME
WAY
AS
JOHN
sp
{GAP_ANONYMIZATION}
FROM
sp
{GAP_ANONYMIZATION}
sp
AND
sp
{OOV}
sp
LEGAL
SPEAKER
sp
TENDS
sp
TO
TALK
ONLY
ABOUT
sp
WILLS
sp
MAKING
WILLS
sp
ER
I
sp
DON'T
sp
KNOW
HOW
MANY
OF
sp
YOU
sp
{OOV}
MADE
sp
WILLS
sp
{OOV}
BUT
sp
ER
sp
DRAW
HIM
OUT
sp
ON
OTHER
sp
THINGS
IF
YOU'VE
GOT
ANY
sp
PROBLEMS
sp
I
MEAN
WE
WE
HAD
sp
QUITE
AN
INTERESTING
SESSION
AT
sp
ONE
sp
OF
sp
THE
POWER
sp
STATION
sp
TALKS
sp
ON
sp
A
ER
sp
TENANT
sp
ER
sp
TENANCY
sp
AGREEMENT
THAT
A
CHAP
HAD
sp
BEEN
sp
BOTHERED
ABOUT
FOR
sp
SOME
sp
YEARS
A
MEMBER
OF
sp
THE
sp
GROUP
HAD
BEEN
sp
BOTHERED
sp
HADN'T
BEEN
GIVEN
THE
RIGHT
ADVICE
FOR
SOME
YEARS
sp
{OOV}
SO
sp
ER
IT
sp
DOES
TEND
TO
sp
BE
sp
AS
I
sp
SAY
sp
SOLELY
ABOUT
sp
WILLS
sp
WELL
DRAW
IT
OUT
sp
IF
sp
YOU'VE
GOT
ANYTHING
ELSE
sp
YOU
MAY
NOT
sp
HAVE
{OOV}
sp
LEGAL
ER
SITUATION
AT
ALL
sp
THEN
sp
YOU
KNOW
JUST
ASK
sp
QUESTIONS
sp
{OOV}
HERE
YOU
GET
sp
FREE
sp
LEGAL
ADVICE
sp
WHICH
CAN'T
BE
BAD
YOU'VE
GOT
AN
HOUR'S
sp
FREE
LEGAL
sp
ADVICE
{OOV}
sp
OKAY
I
sp
THINK
sp
THAT'S
ALL
I
NEED
sp
SAY
BY
sp
THIS
sp
TIME
THE
NEXT
sp
OUR
NEXT
sp
SPEAKER
sp
IS
sp
USUALLY
sp
ARRIVING
SO
{OOV}
TO
SORT
OF
sp
DEVELOP
AND
{OOV}
NOT
THAT
THERE'S
A
REAL
sp
NEED
FOR
IT
sp
NOR
sp
AM
I
sp
CAPABLE
sp
OF
sp
DOING
sp
SO
BUT
sp
WHAT
sp
WE
sp
DO
FIND
sp
HELPFUL
AT
sp
THIS
sp
STAGE
IS
sp
TO
sp
CONSIDER
THE
sp
PLUSES
sp
AND
sp
MINUSES
{OOV}
GETTING
sp
YOU
TO
{OOV}
CONTRIBUTE
sp
WHAT
sp
YOU
sp
THINK
ARE
THE
sp
PLUSES
sp
AND
MINUSES
sp
OR
sp
RETIREMENT
AND
THEN
DURING
sp
THE
sp
CONCLUSION
STAGE
sp
WE
sp
SORT
OF
sp
LOOK
AT
THESE
AGAIN
AND
sp
WONDER
sp
WHETHER
WE'VE
sp
CHANGED
sp
OUR
sp
VIEW
sp
{OOV}
WE
sp
HOP
sp
YOU
WILL
BECAUSE
sp
OBVIOUSLY
THIS
sp
IS
THE
PURPOSE
sp
OF
sp
THE
sp
OF
sp
THESE
sp
TALKS
SO
I
sp
WONDER
IF
sp
ER
I'LL
MAKE
A
NOTE
OF
THEM
sp
I
WONDER
IF
sp
SOMEONE
WILL
sp
START
sp
ME
OFF
sp
ON
ON
sp
A
LIST
OF
sp
WHAT
sp
YOU
sp
THINK
ARE
sp
THE
sp
PLUSES
AND
MINUSES
OF
sp
RETIREMENT
THEN
AS
sp
I
sp
SAY
sp
WE'LL
sp
DISCUSS
IT
TOWARDS
sp
THE
END
sp
IF
sp
WE
GET
sp
THE
TIME
{OOV}
sp
ANYBODY
LIKE
sp
TO
sp
START
WHAT
sp
WHAT
ARE
THE
sp
MINUSES
sp
OF
RETIREMENT
OR
A
MINUS
sp
OF
RETIREMENT
sp
AS
YOU
WOULD
SEE
IT
BE
POORER
sp
WE'LL
BE
sp
POORER
sp
POORER
sp
{OOV}
NOT
sp
NECESSARILY
sp
SO
sp
BUT
sp
ER
sp
GENERALLY
sp
POORER
sp
I
ER
sp
I
NEARLY
sp
FELL
THROUGH
THE
sp
FLOOR
A
LITTLE
WHILE
AGO
I
sp
WAS
{OOV}
sp
BRITISH
sp
GAS
sp
PEOPLE
AND
sp
ONE
sp
OF
sp
THEM
sp
{OOV}
sp
LIVING
sp
WITH
sp
THIS
sp
LADY
sp
AND
sp
I
sp
WANT
sp
TO
GIVE
HER
sp
HALF
sp
OF
sp
MY
sp
LUMP
sp
SUM
sp
HOW
CAN
sp
I
sp
DO
TO
AVOID
ER
sp
TO
EFFECT
HER
INCOME
TAX
OR
INHERITANCE
TAX
sp
{OOV}
THINKING
IN
TERMS
OF
sp
THE
INHERITANCE
sp
TAX
LIMIT
OF
sp
A
HUNDRED
AND
sp
FIFTY
THOUSAND
sp
I
SAID
WELL
WOULD
YOU
MIND
TELLING
ME
ABOUT
HOW
MUCH
IT
WILL
BE
OH
YES
HE
SAYS
A
HUNDRED
AND
EIGHTY
sp
THOUSAND
AND
THAT
WAS
A
HALF
sp
OF
HIS
sp
LUMP
sp
SUM
sp
SO
IT
sp
REALLY
IS
sp
ASTONISHING
sp
THE
WAY
SOME
sp
SOME
sp
PEOPLE
sp
ARE
sp
{OOV}
sp
TOP
sp
BRASS
sp
OF
sp
BRITISH
sp
GAS
BUT
sp
ER
IT
sp
REALLY
IS
sp
ASTONISHING
SO
sp
WHEN
sp
YOU
sp
SAY
sp
THAT
sp
WE
SHALL
ALL
WE
sp
SHALL
POORER
GENERALLY
SO
AND
YET
ER
{OOV}
THAT'S
VERY
MUCH
A
BY
THE
WAY
JUST
TO
MAKE
YOU
sp
FEEL
sp
A
LITTLE
BIT
OKAY
sp
POORER
sp
BUT
WE
HOPE
sp
THAT
sp
ER
sp
AFTER
THE
ER
sp
{GAP_ANONYMIZATION}
sp
'S
sp
TALK
sp
THAT
sp
ER
sp
THAT
sp
THERE'S
sp
A
sp
REAL
HOPE
sp
ANYTHING
sp
ELSE
sp
STEPPING
sp
OUT
sp
OF
sp
THE
sp
SYSTEM
sp
YES
sp
YES
WHICH
sp
HAS
A
sp
SORT
OF
sp
I'LL
COMPARE
IT
sp
THEM
WITH
ER
{OOV}
SOME
OF
THE
THINGS
sp
THAT
HAVE
BEEN
{OOV}
LEA
sp
LEADING
ON
FROM
THAT
THE
DAY
BY
DAY
sp
CONSTANT
sp
CONTACT
WITH
A
LOT
OF
sp
PEOPLE
sp
THIS
IS
ONE
THAT
ALWAYS
COMES
UP
LOT'S
OF
OF
WORKING
RELATIONS
I
JUST
NOTICED
I
WAS
READING
sp
ONE
OF
THESE
ER
INCIDENTALLY
I
MENTIONED
ABOUT
{OOV}
BRITISH
sp
GAS
sp
ER
sp
THIS
sp
IS
THE
ONE
THAT
sp
THEY
sp
GIVE
ALL
THEIR
{OOV}
sp
YOU
sp
KNOW
THEY
DO
{OOV}
BUT
ANYWAY
sp
THE
sp
POINT
I
WAS
MAKING
sp
WAS
THAT
sp
THEY
CALL
IT
sp
DISTANT
sp
INTIMACY
sp
YEAH
RIGHT
sp
DISTANT
sp
INTIMACY
sp
A
NOVEL
WAY
OF
sp
PUTTING
IT
sp
BUT
sp
ER
sp
THERE
sp
WE
ARE
{OOV}
sp
THAT
sp
FEELING
sp
OF
sp
OF
AVERAGE
sp
I
DON'T
KNOW
WHETHER
THAT'S
SUPPOSED
TO
BE
A
PLUS
sp
OR
sp
A
sp
MINUS
WELL
SAID
THAT
MAN
OKAY
NOW
ANYTHING
ON
THE
{OOV}
MINUSES
APART
sp
FROM
sp
THIS
sp
SUGGESTION
sp
THAT
THAT
COULD
BE
sp
BOTH
WHAT
sp
ABOUT
sp
ANY
sp
PLUSES
sp
I
AGREE
sp
WITH
sp
YOU
sp
BUT
ERM
sp
BUT
sp
IT
sp
CAN
sp
BE
TIRESOME
sp
CAN'T
IF
YOU
IF
sp
YOU'RE
sp
WORKING
WITH
PEOPLE
WHO
ARE
A
sp
LITTLE
sp
BIT
sp
ER
sp
OVER
THE
sp
TOP
OR
PUSHY
sp
PEOPLE
sp
{OOV}
WELL
ONE
sp
OF
sp
THE
OBVIOUS
sp
PLUSES
sp
IS
sp
THAT
sp
I'LL
sp
HAVE
sp
A
sp
CHANCE
TO
DO
sp
WHAT
sp
I
WANT
sp
TO
DO
sp
WHEN
sp
I
sp
WANT
sp
TO
DO
IT
{OOV}
FOR
sp
THE
FIRST
TIME
sp
{OOV}
FIVE
sp
YEARS
sp
OF
ED
sp
{OOV}
YEAH
YEAH
TRUE
sp
WHETHER
IT'S
A
sp
PLUS
OR
A
MINUS
{OOV}
IT
sp
COULD
BE
A
LOSS
OF
sp
RESPONSIBILITY
sp
ALTHOUGH
I
ENJOY
RESPONSIBILITY
sp
YEAH
sp
THAT
sp
THAT
sp
COULD
BE
A
sp
MINUS
sp
DEPENDING
sp
MINUS
sp
COULD
BE
A
sp
PLUS
BUT
IT
sp
COULD
sp
BE
IF
YOU'RE
THE
PERSON
WHO
CAN
RIDE
WITH
RESPONSIBILITY
IT
IT
IS
A
LOSS
sp
BUT
IF
YOU'RE
THE
ONE
WHO'S
sp
STRUGGLING
sp
MAKING
DECISIONS
sp
AND
sp
THAT
SORT
sp
OF
THING
{OOV}
sp
MISS
sp
YOU
WOULD
MISS
sp
YEAH
sp
SO
ONE
OF
THE
sp
ONE
OF
THE
sp
SUGGESTIONS
sp
WOULD
sp
BE
sp
THEN
THAT
ER
YOU
SHOULD
TRY
TO
GET
sp
A
sp
SIMILAR
sp
SORT
sp
OF
sp
RELATIONSHIP
IN
sp
RETIREMENT
sp
IN
A
VOLUNTARY
sp
WAY
A
VOLUNTARY
sp
CAPACITY
sp
WORKING
sp
{OOV}
sp
I
MEAN
IN
IN
THIS
SENSE
IN
sp
MY
{OOV}
THERE
IS
A
sp
SENSE
sp
OF
sp
RESPONSIBILITY
AND
I
FIND
THAT
sp
GOOD
AND
sp
CHALLENGING
WHICH
sp
IS
sp
PERHAPS
sp
ONE
OF
THE
REASONS
sp
WHY
I
LIKE
sp
DOING
sp
THESE
sp
COURSES
sp
BECAUSE
sp
YOU
sp
YOU
sp
ER
sp
A
sp
CERTAIN
AMOUNT
sp
OF
sp
STRESS
sp
AND
RESPONSIBILITY
sp
IS
sp
IS
sp
{OOV}
sp
IT'S
sp
WHEN
IT
GOES
sp
BEYOND
sp
THE
POINT
sp
OF
sp
{OOV}
sp
BUT
sp
YES
sp
I
THINK
sp
THAT
sp
WOULD
sp
BE
PLUS
sp
OR
A
MINUS
DEPENDING
sp
ON
sp
YOUR
ON
YOUR
POINT
OF
sp
VIEW
sp
RIGHT
sp
ANY
sp
MORE
sp
I
sp
WILL
YEAH
sp
I
sp
HADN'T
sp
BUT
sp
YES
sp
THANK
sp
YOU
sp
{OOV}
ANY
REALLY
sp
POSITIVE
ONES
sp
WELL
WE'VE
HAD
ONE
DO
WHAT
sp
I
sp
LIKE
IS
sp
A
sp
REAL
sp
POSITIVE
sp
ONE
sp
YOU
sp
CAN
sp
DO
sp
YOUR
sp
HOBBIES
sp
BETTER
sp
YEAH
sp
MORE
sp
TIME
sp
FOR
HOBBIES
A
BETTER
QUALITY
OF
sp
HOBBY
INSTEAD
OF
DOING
LOADS
OF
THINGS
{OOV}
YEAH
BETTER
YEAH
QUALITY
RIGHT
CHEAPER
HOLIDAYS
{OOV}
sp
TOTALLY
ABSOLUTELY
COMPLETELY
READY
sp
YOU
{OOV}
GUILTY
sp
AND
sp
NOT
FEEL
sp
GUILTY
sp
EXACTLY
NOT
MET
THAT
sp
BEFORE
{LG}
sp
YEAH
sp
GOOD
sp
ONE
CHEAPER
HOLIDAYS
YES
sp
VERY
GOOD
sp
VERY
sp
GOOD
YEAH
sp
MORE
sp
IMPORTANTLY
OFF
SEASON
sp
HOLIDAYS
WHEN
THERE
sp
ARE
NO
CHILDREN
sp
AROUND
sp
{LG}
sp
{OOV}
sp
WE'VE
GOT
A
sp
GOT
A
sp
MINUTE
OR
sp
TWO
sp
SOME
sp
SOME
sp
FRIENDS
sp
OF
OURS
sp
WERE
SAYING
THE
OTHER
sp
DAY
sp
THEY'VE
sp
BOOKED
sp
A
sp
HOLIDAY
AT
ER
sp
{OOV}
sp
VERY
NEAR
THE
sp
POR
{OOV}
PORTUGUESE
SPANISH
sp
BORDER
sp
ON
THE
sp
SOUTH
sp
DO
sp
YOU
KNOW
IT
sp
IT'S
sp
ROUGH
NOW
THIS
IS
WHAT
I
WAS
SAYING
ABOUT
TAL
sp
SITTING
NEXT
sp
TO
THE
WORLD
EXPERT
IN
{OOV}
BECAUSE
THESE
FRIENDS
sp
IT'S
sp
THE
WRONG
END
OF
THE
ALGARVE
{OOV}
sp
THEY
sp
BOOKED
A
sp
SIX
WEEK
sp
HOLIDAY
sp
COMING
BACK
ON
sp
THE
FIRST
sp
WEEK
sp
ON
BOXING
DAY
sp
THEY'VE
sp
GOT
sp
FREE
CAR
HIRE
sp
FOR
THE
WHOLE
SIX
sp
WEEKS
sp
NOT
sp
THE
INSURANCE
sp
THEY'RE
GETTING
TRANSPORT
sp
FREE
sp
FROM
sp
MAN
sp
FROM
sp
HOME
sp
AT
sp
ERM
sp
TO
sp
MANCHESTER
sp
AIRPORT
sp
FOR
FOUR
sp
HUNDRED
AND
NINETY
FIVE
sp
POUNDS
AND
WE
SAID
STRAIGHT
sp
AWAY
WELL
sp
WHAT'S
THE
CATCH
sp
WELL
EXCEPT
IF
PEOPLE
ARE
INTERESTED
YES
sp
YOU
sp
KNOW
sp
LIKE
sp
{OOV}
sp
BY
sp
THE
sp
SEA
PACKS
sp
OF
MANGY
sp
DOGS
sp
DRIFTING
UP
sp
AND
DOWN
AH
OH
sp
SO
REALLY
THEY
sp
THE
sp
BENEFIT
OF
THIS
sp
TO
THOSE
OF
sp
YOU
IS
sp
THAT
THAT
sp
THIS
END
OF
PORTUGAL
sp
IS
LIKE
sp
THAT
IS
IT
IT'S
THE
EASTERN
sp
END
OF
sp
PORTUGAL
LIKE
THAT
sp
{OOV}
sp
THAT
sp
BIT
sp
YOU
SAID
{OOV}
YEAH
sp
THAT'S
WHAT
I'M
sp
TALKING
sp
ABOUT
IT'S
sp
JUST
WHERE
YOU
GO
UP
INTO
sp
SPAIN
{OOV}
ERM
{OOV}
RIVER
AND
YOU
GO
sp
FROM
sp
PORTUGAL
UP
sp
THE
RIVER
AND
sp
INTO
SPAIN
sp
DON'T
YOU
sp
{OOV}
sp
KNOW
WE
sp
GOT
sp
LOST
WITH
sp
THE
sp
TIME
sp
ZONE
THERE
sp
BECAUSE
sp
PORTUGAL
sp
IS
AN
HOUR
sp
I
MEAN
sp
CHARMING
sp
PEOPLE
sp
LOVELY
FOOD
sp
{OOV}
SO
WE'VE
LEARNT
sp
SOMETHING
ALREADY
{LG}
sp
WELL
I
sp
BETTER
sp
NOT
TELL
THEM
sp
BECAUSE
sp
IT
sp
WILL
sp
COMPLETELY
sp
SPOIL
sp
THEIR
sp
HOLIDAY
sp
BUT
ERM
sp
IT'S
sp
H
sp
IT'S
INTERESTING
sp
BECAUSE
WE'VE
BEEN
MENTIONING
IT
TO
OTHER
PEOPLE
I'M
sp
SURE
THEY'VE
sp
NEVER
sp
{OOV}
ANYWAY
CHEAPER
HOLIDAYS
sp
YES
BUT
ER
NOT
AT
{OOV}
sp
RIGHT
sp