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(Click for frequent words.) 63 David Kenmir 58 Mr Sants 57 Ricky Okey 57 Clive Briault 57 Mr Elderfield 57 Jenny Fagg 57 Declan Quilligan 57 Briault 56 Reuben Marambii 55 Sir Sandy Crombie 55 Clive Bannister 55 Des Pallieres 55 Chief Executive Adam Applegarth 55 Phil Hodkinson 54 Mr Munchenberg 54 Eric Varvel 54 Loretta Minghella 54 FSA Hector Sants 54 David Deverall 54 Gerry Grimstone 54 Trevor Moeke 54 Pratip Chaudhuri 54 Simon Ripton 54 RBS Intermediary Partners 53 Iain Lumsden 53 Takafumi Sato 53 Ms Gadhia 53 mortage lender 53 Chancellor Alastair Darling 53 Ms Morparia 53 IMFB 53 Douetil 53 Sally Dewar 53 bancassurer 53 António Horta Osório 53 Vaughn Richtor 53 Nino Ficca 53 Ajay Bimbhet 53 Sheila Nicoll 52 director Karim Naffah 52 Richard Pym 52 Westminster sleaze watchdog 52 George Frazis 52 Nargolwala 52 Kensington Mortgages 52 spokesman Shane O'Riordain 52 Ian El Mokadem 52 DB Mortgages 52 BoSI 52 Steven Bensinger 52 CEO Riaan Stassen 52 Energy regulator Ofgem 52 Van Der Wielen 52 Colm Doherty 52 Jayne Anne Gadhia 52 MV Nair Chairman 52 regulator Matthew Elderfield 52 Nick Prettejohn 52 HN Sinor 52 Val Gooding 52 Hector Sants FSA 52 GV Nageswara Rao 52 RBSRBS 52 Keith Satchell 51 Peter Huljich 51 FSCP 51 Steven Crawshaw 51 Lesley Titcomb 51 Mr Boulger 51 Alen Buckley 51 Donal Forde 51 Pauget 51 Denis Orrock 51 Cheah Tek Kuang 51 Eric Anstee 51 Oloyi 51 PJ Nayak 51 TR Ramachandran 51 Shengman Zhang 51 Amyas Morse 51 Anthony Di Iorio 51 Mr Utouh 51 Charles Dunstone Carphone 51 Laurence MacKenzie 51 Andy Kuipers 51 Stheeman 50 Prof Ndung'u 50 FSA Sants 50 Mr Chronican 50 Stephen Koseff 50 Donal O'Connor 50 V Leeladhar 50 Housebuilder Barratt 50 Mr Varadkar 50 SSIA savers 50 AK Khandelwal 50 RBSI 50 Douglas McIldoon 50 Firstplus 50 IFSRA 50 Mr Kaloumaira 50 Horta Osorio 50 Ms Diplock 50 telecoms watchdog Ofcom 50 Igal Mayer 50 AfI 50 Mr Kraehe 50 Oduor Otieno 50 Steve Booysen 50 Sandy Crombie 50 Axel Wieandt 50 KR Kamath 50 Tarun Kataria 50 Christine Farnish 50 Falalu Bello 50 spokesperson Marumo Moerane 50 Apcims 50 Philip Broadley 50 Axa Elevate 50 Mr Hartzer 50 licensed insolvency practitioner 50 René Carron 50 bankā 50 chairman Gerry Grimstone 50 Matthew Elderfield 50 Mervyn Pedelty 50 Mr Cicutto 50 broker Charcol 50 Naguib Kheraj 49 proc fees 49 Myners 49 Wynaendts 49 Mortgages plc 49 Wilmot Sitwell 49 MD Mallya 49 Rowanmoor 49 Nedbank Swaziland 49 CHL Mortgages 49 Savoret 49 TS Narayanasami 49 Prof Honohan 49 counsel Peter Kurer 49 Mortgageforce 49 mediation Pash 49 Rudco 49 Sir Winfried Bischoff 49 Professor Honohan 49 Investments SLI 49 PRSAs 49 Dave Forsey 49 benchmark PLR 49 KiwiSaver schemes 49 Patrick Snowball 49 Treating Customers Fairly 49 Invocas 49 proc fee 49 Icesave savers 49 AC Mahajan 49 Niall Booker 49 Esom 49 Close Bros 49 MV Nair chairman 49 Darren Shapland 49 Arch cru 49 Winfried Bischoff 49 Chairman Graham Kraehe 49 Tony Chanmugam 49 Frank Ireri 49 Tilmant 49 Mokoetle 49 SMIEIS 49 Bernard Kantor 49 Huljich Wealth Management 49 Prof Drumm 49 Craig Climo 49 Frederic Oudea 49 Muhakanizi 49 CEO Frederic Oudea 49 Ann Godbehere 49 Georges Pauget 49 GlobalExpense 49 Marc Litzler 49 Brian Hartzer 49 Mr Mkulo 49 Jerry Henchy 49 Ms Pilott 49 Frédéric Oudéa 49 Cattles Invoice Finance 49 Mr Horta Osório 49 governor Tarisa Watanagase 49 Phil Chronican 49 Ms Spottiswoode 49 Antonio Horta Osorio 49 David Hisco 49 Paymentshield 49 Dyfrig John 49 SMSF trustees 49 Chip Hornsby 49 chairman Peter Kurer 49 Broker Panmure Gordon 48 keyphrases = bp 48 NicozDiamond 48 Punter Southall 48 Andrea Moneta 48 former wrestler Musashigawa 48 0pc 48 Chairman Dermot Gleeson 48 Herman Verwilst 48 Leaderguard 48 Broadcasting union Bectu 48 Chief Executive Jan Hommen 48 Gleacher Shacklock 48 Usha Thorat 48 Heritable Bank 48 Ghillebaert 48 GBP #bln [001] 48 Mamodupi Mohlala 48 Towergate Partnership 48 WEST CENTRAL Soil moisture 48 governors Gavyn Davies 48 Chief Executive Stuart Gulliver 48 Bob Bullivant 48 Sudhakar Gande 48 Dube Tshidi 48 Dr Mullei 48 Chief Executive Cameron Clyne 48 Poyntz Wright 48 SFLG 48 Ashcourt Rowan 48 Michel Peretie 48 FRRP 48 Avine McNally 48 Dr Mang'eli 48 Ms Strathie 48 Adam Fowle 48 PFMs 48 Chuck Noski 48 Pieter Burghout 48 Mustier 48 John Stomber 48 Mr Marambii 48 Principality Building Society 48 Ken Hydon 48 Blemain 48 Loan Guarantee Scheme 48 Iain Cornish 48 Rob Coombe 48 NBFIRA 48 Astbury Marsden 48 LLOYDS Banking Group 48 Irene Esteves 48 chairman Marcus Agius 48 AIRMIC 48 LON LLOY 48 N Rangachary 48 Rampl 48 Mr Fahour 48 Steve Bundred 48 Adrian Shandley 48 Uganda BOU 48 Clive Standish 48 Chairman Lanty Smith 48 Forstmoser 48 AIBIM 48 Stephen Haddrill 48 Stuart Gulliver 48 Mike Kellard 48 homeloan 48 Pierre Mirabaud 48 giant Fortis NV 48 Rotimi Oyekan 48 V. Leeladhar 48 Sidbi 48 Whistlejacket SIV 48 Godiva Mortgages 48 Teo Swee Lian 48 Keith Skeoch 48 Rob Alloway 48 Alan Jebson 48 Gideon Muriuki 48 Geoghegan HSBC 48 Glenrand 48 Mrs. Funke Osibodu 48 MV Nair 48 Meeg 48 sub PLR 48 ZNCB 48 Vikas Vasal 48 Cicutto 48 Horta Osório 48 GN Bajpai 48 Michel Demare 48 Brett Himbury 48 Mr Muhakanizi 48 Bentley Jennison 48 Mr Alambritis 48 mydeposits.co.uk 48 Dr Gumley 48 Lesley Strathie 47 FSA 47 Brendan McDonagh 47 Gaby Abdelnour 47 RBS LON RBS 47 Peter Chadborn 47 Friends Prov 47 Liu Mingkang 47 Stuart Kuttner 47 Callum McCarthy 47 IFAonline 47 Olusola Ladipo Ajayi 47 Michael Carapiet 47 BestInvest 47 Oswald Grubel 47 Chief Executive Michel Tilmant 47 unarranged overdrafts 47 Pluthero 47 Tony Hobman 47 Mampone 47 dfcu 47 FCMB Plc 47 & Pensions Moneyfacts 47 Alistair Darling chancellor 47 Icas 47 Wolfgang Berndt 47 Fedbond 47 Jan Filochowski 47 BoU 47 edeus 47 Mr D' Aloisio 47 Mr Puffet 47 Michael Izza 47 Clr Dodds 47 Mr Modray 47 Zion Kenan 47 KiwiSavers 47 Jerker Johansson 47 BlackRock Fink 47 LSE #OA 47 Mform.co.uk 47 Narayanasami 47 HSBC LON HSBA 47 Sangour 47 CHANCELLOR Alistair Darling 47 Sadeq Sayeed 47 FSCS levy 47 Cathal Goan 47 InvestorWeb 47 Weeple 47 APCIMS 47 Mr Frazis 47 Kasonso 47 Wymeersch 47 Isa savers 47 Jean Paul Chifflet 47 Invoice Finance 47 Sesame Bankhall 47 Mattioli Woods 47 prudential requirements 47 Ms Mohlala 47 Fundsmith 47 Ms Villalba 47 regulator IRDA 47 Pebereau 47 Jeremy Helsby 47 Permanent tsb 47 IBSL 47 Isa Saver 47 Kheraj 47 Van der Vent 47 N.Rock 47 spokeswoman Tatjana Domke 47 Mr Achterstraat 47 FSSC 47 Al Meeza 47 Baudoin Prot 47 Wohanka 47 Ramburuth 47 Musarara 47 Governor Njuguna Ndung'u 47 Bluebay Asset Management 47 Mr Stunell 47 Chris Goekjian 47 Mr Moeke 47 governor Lamido Sanusi 47 Landsbanki Icesave 47 Mortgage Intermediaries AMI 47 Eatonfield 47 Jonathan Chenevix Trench 47 Syscap 47 Cherian Varghese 47 Senator Wehby 47 Prestbury Holdings 47 Rob Devey 47 Tom Kalaris 47 Carsten Kengeter 47 AXA Winterthur Wealth Management 47 Accord Mortgages 47 Varley Barclays 47 Mark Paustenbach Treasury 47 Mzansi account 47 Jaspal Bindra 47 Olivant Advisers 47 invoice discounting 47 Cairns Lockie 47 rediscounting facility 47 Life assurers 47 FRANCE Pernod 47 AADB 46 Thami Bolani 46 Sesame Bankhall Group 46 professional indemnity PI 46 Ihejiahi 46 K. Scaturro 46 Paul Idzik 46 cahoot 46 Ms Hyam 46 Maanda Manyatshe 46 QFCRA 46 DBERR 46 Benoit Savoret 46 chairman Mpho Makwana 46 PruProtect 46 assurer 46 Minister Dyankov 46 Louise Cuming 46 institutions DFIs 46 replaces Marcel Rohner 46 spokesman Wang Zhaowen 46 Stuart Glendinning 46 Gerry McCaughey 46 Exchequer Darling 46 Edeus 46 SimplyBiz 46 JPMorgan Dimon 46 Kieran Poynter 46 Cardif Pinnacle 46 Ms Thorat 46 Mr Banuve 46 Gieve 46 HBOS Lloyds 46 Northern Rock 46 Prof Ongeri 46 Tim Breedon 46 Justice Malik Qayyum 46 Advocate Marumo Moerane 46 NACFB 46 HBoS 46 secured debenture holders 46 stakeholder pensions 46 GCEO 46 Kai Nargolwala 46 CLICO policyholders 46 Ceiops 46 financial regulator FINMA 46 AXA Elevate 46 Sanio 46 RHB Capital Bhd 46 Mr Spellar 46 Cllr Thornber 46 Osias Bvute 46 PPF levy 46 Hemant Kaul 46 IAPF 46 Plc NRK LN 46 Whittaker Macnaught 46 Harpal Karlcut 46 Oswald Grübel 46 Joanne Segars 46 Tiarnan O'Mahoney 46 Kerry Killinger WaMu 46 Solveen 46 Vanni Treves 46 Chief Executive Brady Dougan 46 Alain Dromer 46 FSCS 46 IDBP 46 Uco Bank 46 Lufthansa AUA 46 chairwoman Paula Rebstock 46 RBOS 46 lender Cattles 46 Weavering Capital 46 Chief Executive Oswald Gruebel 46 MFIN 46 Mr Cawsey 46 NatWest Intermediary Solutions 46 Kielholz 46 Saswitch 46 Molotsane 46 Aldermore 46 OBR forecasts 46 Mr Bata'anisia 46 Mr Dromey 46 Odoko 46 Regular Saver account 46 GP consortiums 46 FINANCIAL SERVICES AUTHORITY 46 Eng Mudzuri 46 Simon Treacher 46 Sengera 46 Festus Odoko 46 Axa Wealth 46 Aanensen 46 Mr Trudgill 46 CBZ Holdings 46 BoA Merrill 46 Marcel Kreis 46 Mr Cretney 46 CBUAE 46 TPAS 46 LAPFF 46 Cllr Dawe 46 ING Direct Savings Account 46 Tripartite Authorities 46 Administrator Andrew Andronikou 46 Tony Tufariello 46 Unity Homeloans 46 CSSIW 46 Gerald McCaughey 46 Airports operator BAA 46 Mr Rowsthorn 46 provisioning norms 46 subprime lender Cattles 46 Dr Zeti 46 housebuilder Barratt Developments 46 Managing Director MV Nair 46 Lloyds TSB LYG 46 LGIM 46 Hbos 46 QIIB 46 Ms Mactaggart 46 Pensions Regulator TPR 46 CBK Colchester 46 Stephen Lansdown 46 Basel III norms 46 chairman Gerald Krasner 46 life assurers 46 Liontrust Asset Management 46 prudential regulator 46 governor Njuguna Ndung'u 46 CBBCBB 46 Arch Cru 46 Ucis 46 Jacksha 46 Stanbic IBTC Bank 46 Hugo Thorman 46 Telecoms regulator Ofcom 46 convener Sandy Cluness 46 employers PRSI 46 CGTMSE 46 Chairman Marcus Agius 46 Stakeholder pensions 46 TDX Group 46 Bhargav Dasgupta 46 Violina Marinova 46 chairman Sigurdur Einarsson 46 Capacitybuilders 46 PLC LYG 46 Mr Elstone 46 UKâ 46 Cater Allen 46 SMEEIS 45 Papasavvas 45 Close Brothers 45 Rory Tapner 45 Governor Lamido Sanusi 45 TS Narayansami 45 BANKING giant 45 BusinessDaily 45 Chief Executive Baudouin Prot 45 Mortgage Introducer 45 NMBZ 45 SCOTTISH Widows 45 Mr. Lawby 45 Adrian Lowcock 45 Leeladhar 45 RSM Bentley Jennison 45 Rangachary 45 AllBank 45 Maxwell Mwale 45 HBOS.L 45 Mzansi accounts 45 Mehmet Dalman 45 Mortgage Intermediaries 45 Mr. Jim Ovia 45 Datuk Seri Nazir Razak 45 Prudential Regulatory Authority 45 Tom de Swaan 45 Axa IM 45 Les Wielinga 45 Mr. Tony Elumelu 45 Deepak Parikh 45 prelisting 45 FBD Holdings 45 Finma 45 Fru Hazlitt 45 ClearDebt 45 Dowgate Capital 45 NBFC MFIs 45 Weavering 45 Chairman Walter Kielholz 45 Insolvency practitioners 45 Stenfors 45 APMS contracts 45 Bendine 45 auditors KPMG 45 Torquil Clark 45 Laurent Mignon 45 Suncorp Metway Ltd 45 thebank 45 Shang Fulin 45 NSFAS 45 ABCUL 45 CRR SLR 45 Bank Hapoalim LSE BKHD 45 Equitable policyholders 45 Housebuilder Taylor Wimpey 45 Investbx 45 Rowanmoor Pensions 45 Morison Menon 45 RBSG 45 Ms Ussher 45 M Balachandran 45 Lloyds Banking 45 NEDs 45 FRSB 45 regulator De Nederlandsche 45 PS Shenoy 45 Lindsay Maxsted 45 Ms Hellard 45 E4B 45 Ms. Furse 45 Towergate Financial 45 Glenrand MIB 45 Commbank 45 SWIP Property 45 prudential norms 45 Lib Dem Vince Cable 45 Barclays PLC BARC.LN 45 LandSecs 45 Mr Lengoiboni 45 Jeremy Darroch BSkyB 45 Mark Rantall 45 Precise Mortgages 45 Andrew Mohl 45 Nyaga Stockbrokers 45 Bill Prasifka 45 Rainer Neske 45 WealthBriefing 45 Al khaliji 45 chancellor Alistair Darling 45 chairman Vanni Treves 45 Mr Lazarowicz 45 Malegam Committee 45 sacco 45 administrator Ferrier Hodgson 45 Cllr Dimoldenberg 45 Debtmatters 45 Russell Parera 45 Cllr Hillan 45 Debts.co.uk 45 TransTec 45 Tony Froggatt 45 LVRs 45 Eric Licoys 45 Solvency II directive 45 Rob Burman IGN 45 Karim Naffah 45 Mr Krecichwost 45 BankAm 45 Car dealer Lookers 45 FSDC 45 camera retailer Jessops 45 Ms Horlick 45 Coun Blackie 45 governor YV Reddy 45 discount retailer Matalan 45 DFIs 45 FTAdviser 45 Infinity Mortgages 45 Turlough O'Sullivan 45 ENBD 45 SPDB 45 NSPMC 45 NAICOM 45 Sants 45 Bozo Jasovic 45 Kenmir 45 Airmic 45 Britannic Money 45 Price waterhouseCoopers 45 Dfcu 45 Skipton BS 45 Glotec 45 MMCB 45 Nzeku 45 De Garis 45 Michael Cohrs 45 KKR Pessina 45 Zodwa Ntuli 45 Deputy Roffey 45 Mform 45 QIL 45 Redmond O'Donoghue 45 ICPAK 45 Montagnon 45 Lloyds TSB 45 Kengeter 45 GRCB 45 SFr#bn 45 Efama 45 Truett Tate 45 Ambrin 45 Ravi Sinha 45 Ms Kagina 45 Angus Monro 45 Standard Chartered PLC STAN.LN 45 Equalities Review 45 Stuart Huggett 45 Oireachtas committee 45 Robin Budenberg 45 Oudéa 45 Leveraged Capital 45 Bill Dodwell 45 Josef Ackerman 45 spokeswoman Renee Calabro 45 Gerardo Braggiotti 45 STANDARD Life 45 Huntswood 45 union Sasbo 45 Eugene Sheehy 45 Edwin Manikai 45 Sir Derek Wanless 45 Nicandrou 45 Rate Matcher 45 Alex Thursby 45 Jiang Dingzhi vice 45 Romesh Sobti 45 Canbank MF 45 SwFr#.# billion 45 Francis Ghiloni 45 OBSI 45 chairman AK Purwar 45 OFMDFM 45 NHSLA 45 compulsory annuitisation 45 Kotak MF 45 Lifesearch 45 Deanna Oppenheimer 45 Hymans Robertson 45 Tang Shuangning 45 FirstAssist 45 Authority Ipsa 45 HCRs 45 Moneyextra 45 Finzsoft 45 Bestinvest 45 Bruce Van Saun 45 Giles Thorley 45 Irda 45 Mr Makove 45 workers union Finsec 45 Canopius 44 procuration fee 44 Gillian Bowler 44 lender HBOS 44 Mr Granatt 44 WDHB 44 TheCityUK 44 Remortgages 44 advisers Hargreaves Lansdown 44 Lionel Zinsou 44 Mr Lenihan 44 ScS 44 Scottish Amicable 44 NAB Cameron Clyne 44 Monthly Saver 44 quango cull 44 Francesco Caio 44 Dame Deirdre 44 Primebroker 44 owned Landesbanks 44 A2O 44 Jonathan Bloomer 44 CNAO 44 Frits Seegers 44 Josef Ackermann Deutsche 44 LTSB 44 mform 44 NERSA 44 Stephen Haddrill director 44 Hector Sants 44 Jun Kwang Woo 44 Irfan Younus 44 Highclere Financial 44 John von Spreckelsen 44 Donal Curtin 44 Canfin Homes 44 Richard Pennycook 44 Odey Asset Management 44 Ms Westacott 44 IIB Homeloans 44 NBFIs 44 official website www.mcfc.co.uk 44 Pam Donnellan 44 disbursals 44 IBTC Chartered Bank 44 Qrops 44 EIBOR 44 Begbies 44 WorkDirections 44 India cbank 44 Malegam panel 44 Invista Real Estate 44 Ms Gattung 44 floorplan lenders 44 Stephen Bubb 44 SSIAs 44 Scotland BoS 44 Compensation Scheme FSCS 44 LLoyds TSB 44 DCCBs 44 Vepa Kamesam 44 van Eyk Research 44 repo counterparties 44 chairman Graham Kraehe 44 BBVA.MC 44 PG Parental guidance 44 Carolyn McAdam 44 Axa Winterthur 44 Huw Jenkins 44 Walter Kielholz 44 Inseta 44 Ireland BoSI 44 UKā 44 Lapwood 44 JLT Benefit Solutions 44 Uganda BoU 44 Financial Advisers Aifa 44 Chancellor Alistair Darling 44 haart 44 Padraig McManus 44 Mr Nailumu 44 AmerUS 44 remortgagers 44 Financial Regulator 44 Di Turpin 44 Rooftop Mortgages 44 2plan Wealth Management 44 Eric Aboaf 44 IBTC Chartered 44 Mnyande 44 Unsecured borrowing 44 Rathbones 44 Xit2 44 HBOS 44 Acevo 44 Thinc Destini 44 Sandy Flockhart 44 Bharat Overseas 44 officer Ruth Porat 44 Mr Gouldthorp 44 Unsecured lending 44 repossession proceedings 44 AnaCap Financial 44 Walter Merricks 44 Individual Voluntary Agreement 44 Somerfield supermarket chain 44 advisers IFAs 44 Chief Emmanuel Chukwulozie 44 Aukett 44 Keith Edelman 44 Honister Capital 44 Regular Saver 44 Minimum Rediscount Rate MRR 44 Equitable Life Payments 44 Moneynet.co.uk 44 officer Marko Bogoievski 44 DIFs 44 Dyoll Insurance 44 Marcus Agius 44 prudential framework 44 Juergen Sengera 44 Pounds #bn [001] 44 Baigrie Davies 44 ABN Amro Hoare Govett 44 Jelf Employee Benefits 44 Motivcom 44 Chairman AK Purwar 44 Lynne Peacock 44 Clemens Boersig 44 Real disposable incomes 44 subvention scheme 44 boss Luqman Arnold 44 NBNK Investments 44 Mr Tikolevu 44 Accountants KPMG 44 Rex Comb 44 Andrew Goodsell 44 Savings Maximiser 44 Dr Khalafalla 44 Bramdean 44 Barnett Waddingham 44 Kevin Mountford 44 John Gerspach 44 employer PRSI 44 Hawkpoint 44 Derek Wanless 44 PRIPs 44 Rob Templeman 44 Prof. Soludo 44 Nana Boahen 44 Sir Callum 44 Isabel Nisbet 44 LTV mortgages 44 Plc LLOY LN 44 Homeloans 44 MFBs 44 Scheiff 44 Fixed Rate Saver 44 Mbask 44 Barry Naisbitt 44 John Hlywak 44 broker Tullett Prebon 44 IRDA norms 44 Oxera 44 procuration fees 44 Dr Tarisa 44 FDs 44 Lead arrangers 44 Ian Kernohan 44 Mr Rwakoojo 44 energywatch 44 Rhys Holleran 44 Cynotech 44 Thomas Renyi 44 CommBank 44 Crofters Commission 44 PenCom 44 Philippa Gee 44 IBFSL 44 Service FOS 44 CFEB 44 HSBC HSBA.L 44 Societe Generale SA GLE.FR 44 2plan 44 Unsecured loans 44 Richard Etemesi 44 Yastine 44 Governor Andrew Mullei 44 Mr Shapps 44 watchdog Ofgem 44 Ashok Lahiri 44 economist Qu Hongbin 44 von Bomhard 44 OnePath 44 Vyugin 44 Chief Executive Hans Wijers 44 Maijoor 44 SSIA holders 44 Shardul Shroff 44 Nagioff 44 retail union Usdaw 44 NPL ratios 44 Clive Briault managing 44 ISA savers 44 Leadsom 44 #pc mortgages 44 AnaCap 44 Ron Sandler 43 Narrabri Shire Council 43 Insolvency Practitioners Association 43 Aochamub 43 Bernd Pischetsrieder VW 43 GSAHS 43 Owen Doogan 43 Stefan Jentzsch 43 Rachel Thrussell 43 subprime writedowns 43 Shyamala Gopinath 43 energy regulator Ofgem 43 IIBI 43 RBS Hoare Govett 43 Hijarunguru 43 accountants KPMG LLP 43 Kaupthing Luxembourg 43 Ms Kijjambu 43 Centric Wealth 43 Ken Surgenor 43 Andrea Enria 43 Retail union Usdaw 43 Pensions Ombudsman 43 Adam Applegarth 43 Allwood Anderson 43 situation Isker 43 DICGC 43 FRSSE 43 Kalpana Jain 43 Trustees Executors