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Nick Renton is a consulting actuary. After heading a life office he became the first Executive Director of the Life Insurance Federation of Australia. He was founder and first president of the Australian Shareholders’ Association and has been Federal president of the Australian Society of Security Analysts and Victorian chairman of the Commercial Law Association. He has published over 500 articles in newspapers and financial journals. Nick has his own website, go to: http://nickrenton.com/ for more information.