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(Click for frequent words.) 66 Robin Budenberg 53 Myners 51 Gleacher Shacklock 51 Ricky Okey 50 Chelverton 50 Dowgate 50 Lexicon Partners 49 PLC FRN Variable 49 Mr Sants 49 Close Bros 49 Invista Real Estate 49 Leadsom 49 Gerry Grimstone 49 David Kenmir 49 FSA Sants 48 Close Brothers 48 Hargreave Hale 48 Mattioli Woods 48 Apcims 48 CityWest Homes 48 venture capitalist 3i 48 Crockart 48 RSM Bentley Jennison 47 Dowgate Capital 47 Nabarros 47 Patersons Securities Limited 47 chairman Gerry Grimstone 47 Sheila Nicoll 47 Turner SEAT Sport 47 Baroness Hogg 47 Dickson Minto 47 RBS Hoare Govett 46 mutualisation 46 CLRG 46 Plc FRN Variable 46 Philip Broadley 46 Hawkpoint Partners 46 Nominated Advisor 46 Punter Southall 46 Richard Plackett 46 Rob Margetts 46 EPT Disclosure 46 Occupational Pensions 46 Birketts 46 Connexions Personal 45 RREV 45 Tim Tookey 45 Cobbetts LLP 45 Beachcroft LLP 45 Rooftop Mortgages 45 Liontrust Asset Management 45 FRICS 45 Quayle Munro 45 Bentley Jennison 45 Towergate Financial 45 Hoare Govett 45 Lord Chadlington 45 David Gauke 45 McClure Naismith 45 Mortgageforce 45 MOVES Deutsche 44 SunGard FastVal 44 Whitehead Mann 44 secondee 44 Torquil Clark 44 Wichford 44 Mehrdad Yousefi 44 Isis Asset Management 44 Westdeutsche AG 44 CISX 44 Tulchan Communications 44 HoC 44 Targetfollow 44 LTSB 44 Vantis plc 44 Liddell Grainger 44 Crofters Commission 44 Denise Kingsmill 44 mortgage broker Coreco 44 RCT Homes 44 Aim VCT 43 Lovell Partnerships 43 Bayerische Landesbank BayernLB 43 2plan 43 Charles Pretzlik 43 Paras Anand 43 CQS 43 Acertec 43 edeus 43 APCIMS 43 Sesame Bankhall 43 Stewardship Code 43 Lord Lipsey 43 Milecastle Housing 43 LandSecs 43 Reit Asset Management 43 Callcutt 43 Xit2 43 A2O 43 Lord Livsey 43 Sajid Javid 43 Colliers CRE 43 Cardif Pinnacle 43 Harriett Baldwin 43 Yvonne Fovargue 43 Berwin Leighton Paisner BLP 43 McGrigors LLP 43 iimia 43 SEGRO 43 Jonathan Djanogly 43 Sir Angus Grossart 43 Nabarro Wells 43 chairman Vanni Treves 43 Hymans Robertson 43 Cairns Lockie 42 Ashcourt Rowan 42 Sir Bryan Carsberg 42 Amyas Morse 42 Aldermore 42 PKF Accountants 42 Grad Dip 42 Cesr 42 Lord Sassoon 42 Mr Djanogly 42 Lord Teverson 42 Depute Leader 42 remutualisation 42 Homebuy Direct 42 B.Bus 42 Richard Pym 42 Redrow 42 Addleshaws 42 & L Goodbody 42 Philippa Roe 42 Conygar Investment Company 42 Adam Signy 42 David Salusbury 42 FNZ 42 Amlin plc 42 LLUK 42 London EC2N 42 Atisreal 42 Hargreave Hale AIM VCT 42 RBS Intermediary Partners 42 Baronworth 42 Axa IM 42 Client Relationship Manager 42 Insinger 42 BNP Paribas Wealth Management 42 Utilico 42 Nick Ainger 42 Yeowart 42 Blake Lapthorn 42 CALA Homes 41 NDPB 41 GBST 41 insolvency practitioner 41 spokeswoman Tatiana Togni 41 HM Treasury 41 Kensington Mortgages 41 Manus Costello 41 DBERR 41 Philip Bushill Matthews 41 Euroz 41 Simon Dingemans 41 Utilico Emerging Markets 41 Derek Brownlee 41 Rowan Dartington 41 Tai Ceredigion 41 Securitised 41 HBoS 41 AfI 41 EHDC 41 Conygar 41 Rochdale Boroughwide Housing 41 Sbi 41 Sants 41 Motivcom 41 Housebuilding 41 Danny Lovey 41 Andrew Tyrie MP 41 Oliver Heald 41 John Carrafiell 41 Thinc Group 41 convener Sandy Cluness 41 JPMorgan Cazenove 41 Aareal 41 Morning Eyecatchers 41 Hammonds LLP 41 Solicitors LLP 41 Mercuri Urval 41 Lord Razzall 41 Eurohypo AG 41 MIMMM 41 Ssas 41 Unity Homeloans 41 Minister Nick Minchin 41 MPCG 41 EÖ VK 41 UK# [001] 41 Architas Multi Manager 41 Dr Phyllis Starkey 41 Keith Churchouse 41 NDFA 41 2plan Wealth Management 41 Secondment 41 CEBS 41 Mr Gauke 41 EPT Disclosure BHP Billiton 41 Operational Efficiency Programme 41 Kitty Ussher 41 Barcap 41 CBRE Investors 41 Covered Bonds 41 L Goodbody 41 Roderick Bluh 41 Stewart Hosie 41 Braver Stern 41 Oakapple 40 consultants DTZ 40 Blemain 40 minister Yvette Cooper 40 Mr Gapes 40 AXA Winterthur Wealth Management 40 Geoff Allum 40 CP#/# 40 Homeloans 40 Pensions Regulator TPR 40 Fenchurch Advisory Partners 40 THE CHAIRMAN 40 MBS CMBS 40 Rob Molhoek 40 Jelf Group 40 GFSC 40 union Sasbo 40 Mr Shapps 40 Dickinson Dees 40 Sole Arranger 40 Graduate Trainee Sales 40 Lord Donoughue 40 QFCRA 40 Baroness Noakes 40 Richard Grellman 40 Fishburn Hedges 40 macro prudential regulation 40 Penna Consulting 40 Furley Page 40 CIPFA 40 Resourcer 40 Langstane 40 Guto Bebb 40 Life assurers 40 Nici Audhlam Gardiner 40 Fedbond 40 Westminster sleaze watchdog 40 Towergate Partnership 40 Stewart Hosie MP 40 Douglas Ferrans 40 Gisbert Rühl 40 Market Renewal HMR 40 BVCA 40 Stewart Baseley executive 40 Moore Blatch 40 Jelf 40 Anna Soubry 40 Association IMLA 40 Nick Raynsford MP 40 AHBR 40 CBBCBB 40 Limited EuroCCP 40 Gavin Barwell 40 mortage lender 40 Competent Adviser 40 Galliford Try 40 AHEB 40 Alan Beith 40 Phytopharm plc 40 virt x 40 paraplanner 40 Wikborg Rein 40 PRESS RELEASE Fitch Downgrades 40 Deutsche Bk 40 RBSG 40 Land Secs 40 Gauke 40 Kirkhope 40 HBOS 40 Welwyn Hatfield MP 40 Tradek 40 Kate Hoey MP 40 Alan Lakey 40 Tiuta 40 Mortgages plc 40 LloydsTSB 40 AIM VCT 40 Baroness Andrews 39 NEDs 39 Parmenion 39 Deutsche Pfandbriefbank AG 39 Selestia Investment Solutions 39 ALMOs 39 AIBIM 39 Brookson 39 Buddle Findlay 39 QFC Regulatory Authority 39 Asbestos Surveyor 39 RBS Invoice 39 ABN AMRO Rothschild 39 NewOak 39 James Arbuthnot 39 Sandwell Homes 39 + - [014] 39 Andrea Leadsom 39 Investec Structured Products 39 Eurohypo 39 IVSC 39 Ms Willott 39 micro prudential regulation 39 Liberal Vannin Party 39 Tenant Participation Advisory 39 REGISTERED OFFICE 39 Actuarial Standards 39 NatWest Intermediary Solutions 39 SB Billimoria 39 Nominated Adviser 39 Plaid AM 39 Collyer Bristow 39 TPAS 39 Circle Anglia 39 JPMorgan Cazenove Limited 39 CAM1 rating 39 Abbeycrest 39 Pension Schemes 39 DB Mortgages 39 Kip Meek 39 Asset Mangement 39 Rowanmoor 39 Fforwm 39 Personnel DFP 39 Mr Lazarowicz 39 BoSI 39 Schroders 39 Bridget Prentice 39 AXA REIM 39 David Salusbury chairman 39 Blemain Group 39 Maijoor 39 King Sturge 39 Lord Filkin 39 Shapps 39 Drawbridge Finance 39 Capmark Investments 39 Baronworth Investment Services 39 Dr Iddon 39 APPLICANT 39 Peter Chadborn 39 Lesley Strathie 39 Colin Seccombe 39 Fundsmith 39 Hugo Thorman 39 Magma Shrachi 39 Manser Medal 39 AXA IM 39 Abdikadir Mohammed 39 AttentiV 39 Wintertons 39 Lord Eatwell 39 Edeus 39 Accord Mortgages 39 FY pretax rises 39 Barbara Hakin 39 Aberconwy 39 H1 Profit Rises 39 Solicitors Regulation Authority 39 Social HomeBuy 39 AToM 39 TÇ 39 Sir Gus O'Donnell 39 FSA 39 Halladale 39 Sasol BEE 39 Chancellor Alastair Darling 39 Alun Davies 39 #,#,# OFFEROR 38 Mourant Ozannes 38 PSZAF 38 Mr Spellar 38 AXA Wealth 38 Symon Fraser 38 Mortage 38 Towry Law 38 Cayman domiciled 38 Sheffield Heeley 38 Auditing Firm 38 Axa Winterthur 38 MP Kate Hoey 38 conveyancing solicitors 38 chancellor Alistair Darling 38 Isos 38 Secured Loan 38 Capita Hartshead 38 Rate Matcher 38 Elmbridge Borough Council 38 Eurosic 38 Xafinity 38 B#/#/# 38 Kristian Johansen 38 Asset Mgt 38 Lothians MSP Margo MacDonald 38 NATIXIS 38 Daejan 38 Friends Prov 38 Blemain Finance 38 Astorg 38 FSCS 38 bookrunning 38 1H Pretax 38 Wastcoat 38 Britannic Money 38 Sir Kenneth Calman 38 leader Russell Goodway 38 George Mudie 38 Mr Liddell Grainger 38 conveyancer 38 Hywel Francis 38 Vanni Treves 38 Lloyds Banking Group 38 Lord Bassam 38 Ceiops 38 firmed #.#p [002] 38 Rehman Chishti 38 Defined Returns 38 SSASs 38 BPRI 38 Practitioner Panel 38 Special Servicer 38 Incepta 38 EMBT RMJM 38 Chartered surveyors 38 Rural Regeneration 38 Bouwfonds 38 Cynog Dafis 38 Offr 38 Sheerman 38 Broker Roundup 38 Checkmate Mortgages 38 quango cull 38 Qrops 38 Expenditure Select 38 HOLDCO 38 Equitable Life Payments 38 Home Loan Servicing 38 Delivery Authority PADA 38 Home Builders Federation HBF 38 NLGN 38 Canopius 38 GPhC 38 Commercial Mortgages 38 Speymill 38 CarrAmerica Realty 38 Groupama Insurances 38 ConstructionSkills 38 Syscap 38 Edhec Risk 38 HNW clients 38 HSBC LON HSBA 38 Tessa Munt 38 CHL Mortgages 38 Mr Stunell 38 FAICD 38 proc fee 38 MF Declares Dividend 38 RHB Sakura Merchant 38 CBK Colchester 38 Grant Shapps 38 FDIC Bair 38 Leaderguard 38 London SW1P 38 AVDC 38 HFWG 38 Lord Redesdale 38 Regulatory Regime 38 DIUS 38 Loans.co.uk 38 Minister Ashfield DeVent 38 Protected Cell 38 Atrium Underwriting 38 Tax Simplification 38 Baroness Prashar 38 Bankhall 37 Lorna Spenceley 37 macro prudential supervision 37 Rent Arrears 37 Euroz Securities Limited 37 FSCP 37 DGHP 37 Yardi Investment 37 Doug Naysmith 37 Allerdale Borough Council 37 SJ Berwin 37 Superannuation Bill Shorten 37 VVP GMANews.TV 37 Citri 37 Harrison Lovegrove 37 Remuneration Code 37 Lord Selborne 37 Investbx 37 Alcentra 37 Group Plc LLOY 37 SPECIFICS Cotton Valley 37 Sally Keeble 37 AV.L 37 Homi Khusrokhan 37 Lords Appointments Commission 37 Rusheylaw 37 Sonnenblick Goldman 37 CRIIMI MAE 37 DTZ 37 DUP Nigel Dodds 37 PTFS 37 Gussie Angus 37 Thinc 37 Tom Greatrex 37 Capital Requirements Directive 37 Sun.Star Cebu Sunnex 37 Ros Kayes 37 Invocas 37 Incommunities 37 Fladgate LLP 37 Canaccord Adams Limited 37 structurer 37 Berwick Borough 37 Mr Martlew 37 Mel Stride 37 TheCityUK 37 Petsky Prunier LLC 37 SunGard Adaptiv 37 Kalpana Jain 37 Alistair Carmichael MP 37 DSP Merril Lynch 37 CPA ABV 37 PLC LON LLOY 37 OFMDFM 37 sole bookrunning manager 37 CapStone 37 Debts.co.uk 37 Takeo Nishioka 37 Hilda Gaddum 37 Limited Nominated Adviser 37 DBIS 37 Invst 37 Minister Tonio Fenech 37 grandee Sir 37 Andrew Selous 37 Valeri Dimitrov 37 DCLG 37 MP Alan Beith 37 Selestia 37 Eluned Morgan 37 Paisley Jnr 37 minister Mark Prisk 37 Pfandbriefe 37 Mandated Lead Arranger 37 Suren Thiru economist 37 Countrywide Residential Lettings 37 AGRANA Beteiligungs AG 37 Andrew Tyrie 37 Vantage SIPP 37 spokesperson Stewart Hosie 37 Halifax Intermediaries 37 BondWave 37 Zenna Atkins 37 CLG 37 Des Geraghty 37 Mr Granatt 37 representatives ARs 37 Barclays LON BARC 37 Labour AMs 37 Therese Coffey 37 Len Duvall 37 Securitisation Forum 37 Private Rented Sector 37 ACEVO 37 Futurebuilders 37 Lord Jopling 37 FY adj pretax 37 NAPIT 37 Heijmans NV 37 Dormant Accounts 37 MP Kitty Ussher 37 Finsia 37 Baroness Hollis 37 MCOB 37 Rhinebridge 37 Keith Astill 37 Joan Walley 37 Dr Stoate 37 Vivacon 37 Mortgage Arrears 37 Savills Private 37 JS Addo 37 Proxy Voting 37 Fordwat Limited 37 McGrigors 37 SimplyBiz 37 Lib Dems Vince Cable 37 Nicola Sturgeon MSP 37 Russet Homes 37 Mark Prisk 37 GMAC RFC 36 Dr Howard Stoate 36 Witan 36 Mr Dromey 36 SYZ 36 Newpark Resources Inc 36 Winterflood Securities 36 Alban Bagbin Minority Leader 36 Structured Products 36 Ray Puddifoot 36 ADR depositary 36 Shadow Cabinet 36 HZW 36 leader Rod Bluh 36 Homebuy 36 Andrew Bridgen 36 SMSF trustees 36 Chipping Barnet 36 Elizabeth Truss 36 Vaughan Gething 36 Coun Scriven 36 George Hollingbery 36 Lorely Burt 36 Axa Elevate 36 Alun Ffred Jones 36 Peter Karran 36 scrap HIPs 36 Silar Advisors 36 housebuilders 36 Invs 36 EIIB 36 Superlink 36 HOME LN 36 Knowles Fitton 36 Olivier Fleurot 36 SAICA 36 CF Miton 36 Towergate 36 Noriba 36 Wolburgh Jenah 36 Andrew Palfreeman 36 Capacitybuilders 36 Algo Collateral 36 Ms Winterton 36 Bluebay Asset Management 36 GLANCE STOCKS NEWS 36 Ms Teather 36 Kotak Mahindra AMC 36 ALMO 36 Angela Watkinson 36 Bankers Bhd 36 SPECIFICS Hosston 36 Nigel Terrington chief 36 Loss Severity Rating 36 H1 pretax falls 36 lender Tamweel 36 GAGFAH 36 MortgageStream 36 Quantity surveyor 36 Interims 36 Charcol 36 Peter Oloo Aringo 36 ExecuTRACK 36 Regulatory Reforms 36 micro prudential supervision 36 Didcock 36 RMIF 36 BNPP IP 36 Icas 36 Cipfa 36 Civil Contingencies Secretariat 36 Thames Gateway Forum 36 Winterflood 36 Direct Debit Limited 36 ADCBADCB 36 Nhs 36 SME CLO 36 § #.#-# [004] 36 Secretary Tonio Fenech 36 Diwakar Gupta 36 Mrs Gillan 36 MC# [001] 36 Alan Beith MP 36 Djanogly 36 Derwentside Homes 36 Capitas 36 Hollobone 36 PROVIDENT FINANCIAL 36 Parex banka 36 Acadametrics 36 IFAonline 36 EHS Brann 36 Nic Dakin 36 Stan Pajak 36 Lesley Griffiths 36 NM Raiji 36 A# dualling 36 E2V Technologies 36 Mr Prisk 36 Clr Kath Pinnock 36 BoAML 36 Lord Grocott 36 IntelliFlo 36 Bedell Cristin 36 Braemar Shipping Services 36 Ashley Dearnley 36 LIB DEM 36 Mr Maskey 36 Broadpoint DESCAP 36 RoundPoint 36 BACM #-# 36 chairman David Salusbury 36 Ucis 36 BTFG 36 HQH 36 Masthaven 36 Nerys Evans 36 Cattles 36 Conveyancing 36 Miss Blears 36 Andrew Katos 36 Consumer Panel FSCP 36 PADA 36 Chelopech Mining EAD 36 Marsham Street 36 Central Counterparty 36 Marlene Shalton 36 SCI passim 36 Laurus Valens 36 Hywel Williams 35 Smartline 35 Julian Sturdy 35 Freshfields 35 Baroness Royall 35 Licence AFSL 35 Christopher Chope 35 Tavish Scott MSP 35 European Securitisation Forum 35 Master Servicer 35 ABSs 35 Collateralized Debt Obligation 35 Graham Garvie 35 Privatisation CCOP 35 Holtham Commission 35 INREV 35 Citisoft 35 Alan Connett 35 minister Francis Maude 35 Ascentric 35 Wertheim Schroder 35 BN# [001] 35 DFSADFSA 35 Fixed Income Portfolio 35 Viriathus Capital 35 FutureTrade Securities 35 MP Jo Swinson 35 Pfandbriefbank 35 Mr Raynsford 35 Spicerhaart 35 GSAMP 35 Credit Institutions Stabilisation 35 Letting Agents 35 LEGI 35 Julie Hilling 35 Luxalpha 35 residential lettings 35 Shariah Supervisory Board 35 Edelweiss MF 35 minister Grant Shapps 35 CAPITAL ONE FINANCIAL 35 Robin Stoakley 35 Sole Lead Arranger 35 ratio LVR 35 Barry Sheerman Huddersfield 35 Gresham Computing 35 Mr Chope 35 Dr Vautrey 35 Ms Seabeck 35 PPP PFI 35 Exchange LFX 35 NORTHERN ROCK 35 Ian Liddell Grainger 35 Stephen Hesford 35 haart 35 Magma Fincorp 35 Redditch Borough Council 35 Homefinder 35 RMS2 + 35 Sylvia Heal 35 Road Haulage 35 Mr Khanbhai 35 H1 pretax profit 35 accelerated bookbuild 35 Edward Doe Adjaho 35 FY Pretax Pft 35 Baroness Buscombe 35 Mr Vaizey 35 SNP Holyrood 35 Nia Griffith 35 Commerzbank Aktiengesellschaft 35 Deutsche BankDeutsche Bank 35 Held Attended Held Attended 35 Clive Betts 35 Meral Ece 35 Diversified Alternatives 35 Sedgefield Borough Council 35 RIBA 35 LFEPA 35 Albert Bore 35 Sir Archy Kirkwood 35 Property Federation BPF 35 Avenor Ave 35 SCVO 35 BRE 35 NRW.BANK 35 Alumasc 35 CapMan Oyj 35 Heigham 35 Mohammed Abdikadir 35 GlobalCapital 35 Sunand Prasad 35 Equiniti 35 securitisations 35 HBOS.L 35 Half Pretax Profit 35 M.Stanley 35 Rob Polhill 35 AIRMIC 35 Nadine Dorries MP 35 Finbond 35 DZ BANK 35 NYSE FD PCX 35 Beacon Homeloans 35 CFEB 35 FD 35 BURKHARDT 35 Rod Shier 35 Treating Customers Fairly 35 Fncl 35 MP Phil Twyford 35 Dr. Susan Mangiero 35 Stewart Golton 35 Ccl 35 Nykredit 35 Siakago MP Justin Muturi 35 sole arranger 35 unitised 35 Joint Lead Arranger 35 Grenville Horsfall 35 Roger Helmer 35 Ansbacher 35 Distressed Debt 35 BOE Posen 35 FUND FOCUS 35 Employer Engagement 35 NHPAU 35 collateralised debt obligations CDOs 35 Commons London SW1A 35 Paul Findlow 35 Ian Cawsey 35 Blaisdon 35 Multiple Occupation 35 Tamesis 35 Lord Maginnis 35 Forth Replacement Crossing 35 ordinary ISIN NSI 35 Corac Group 35 Castle Morpeth Council 35 Bluestone Mortgages 35 collateralisation 35 BMA Cymru Wales 35 NILGA 35 convenership 35 Dwyfor Meirionnydd 35 Eric Boyriven Alexandra Tramont 35 Bin Ghalaita 35 Sandy Mewies 35 Mr Clappison 35 BITC 35 Lisa Nandy 35 Chadborn 35 Asset Mgmt 35 NHSLA 35 Lab Erdington 35 RESI 35 Infinity Mortgages 35 David Caygill 35 IMLA 35 James Klutse Avedzi 35 MAINTENANCE TECH 35 MP Chris Huhne 35 Numerica 35 Consultation Document 35 Lynne Hillan 35 Plc LON 35 Safestyle UK 35 Meirionnydd Nant Conwy 35 Robert Flello 35 Keydata 35 PASC 35 Terms Undisclosed Quick Facts 35 BAML 34 Crofting Reform Bill 34 alstria 34 South Ribble Borough 34 Debtmatters 34 MP Tessa Munt 34 Mr Cawsey 34 Isda 34 Consultation Paper 34 CAPITA 34 Oloo Aringo 34 Emma McClarkin 34 Councillor Wera Hobhouse 34 Witt Mares 34 Coun Whitby 34 Bridgingloans.com 34 Martprop 34 Damian Hockney 34 Praemium 34 Meg Munn MP 34 Taylor Wimpey PLC 34 Rushcliffe 34 LGiU 34 Seanad Éireann 34 Birmingham Yardley 34 Bank Sarasin Alpen 34 Stuart Etherington 34 Larne Borough Council 34 Mr Rosindell 34 NOTIFICATION OF MAJOR INTERESTS 34 SIPPS 34 Bill Esterson 34 chmn 34 Chuka Umunna 34 Mark Prisk MP 34 Mr. Mathas 34 Special Servicer Rating 34 Marlene Pullicino 34 BUSINESS WEEK 34 Francis Maude 34 £ #k OTE 34 Deirdre Hutton 34 Dunedin Canmore 34 Ms Boyack 34 Sharia'a compliant 34 Myant 34 Bamford Addo 34 Colette Bowe 34 ABS MBS 34 Preventing Violent Extremism 34 Affinity Sutton 34 Baroness Prosser 34 Independent Rob Oakeshott 34 Charles Buhagiar 34 spokesman Lord Oakeshott 34 SagePoint 34 MP Jonathan Djanogly 34 AXA Elevate 34 Rejig 34 Ms Merron 34 Coun Mullaney 34 GBP1 Billion 34 bfa 34 Fortis Merchant Banking 34 RFIB 34 Islamically structured 34 Insolvency Practitioner 34 Exchequer Alastair Darling 34 Elfyn Llwyd Plaid Cymru 34 strs 34 Langstane Housing Association 34 JPMORGAN CHASE 34 ACCOUNTING MANAGER 34 GBP#.#M [001] 34 councilor Catriona Bhatia 34 HBD 34 Listing Rule #.#.# [001] 34 CRE 34 PLAR 34 Lord Trefgarne 34 Career Progression 34 wirehouse channel 34 NSFR 34 Phyllis Starkey 34 workstream 34 Built Environment 34 MLRO 34 Alison Seabeck 34 InterBay