ࡱ>   '` ^bjbjLULU .?.?V....D/|\/H1111333ۡݡݡݡݡݡݡ$hd42"34411555411ۡ54ۡ55FY1/ Хyu.<5^iTϠ ,0\T5(3h3J53<43335 333\4444 Update Newsletter Dedicated to PII Issues September 2010 Dear Colleague, As a further assistance to practitioners in the lead-up to the next PII renewal period, this Newsletter addresses a number of topics that are to the forefront of discussions within the profession at this time. The Society would urge all solicitors to commence the process for PII renewal at an early opportunity, in order to maximise the options available to your firm. Particular attention should be paid to the risk management processes and procedures within your firm. Specific articles in this Newsletter address queries from the profession in relation to succeeding practices, misrepresentation and non-disclosure. The Guide to the Minimum Terms and Conditions provides a roadmap to the most important provisions and the Guide to PII Renewal will assist solicitors to plan for the renewal process. Solicitors are also reminded to notify claims by 30th November 2010. If you have any suggestions, concerns or queries in relation to professional indemnity insurance, please send them to the Society's dedicated email address  HYPERLINK "mailto:piihelpline@lawsociety.ie" piihelpline@lawsociety.ie. With kind regards. Yours sincerely, Gerard Doherty President Start Preparing for Renewal Now  INCLUDEPICTURE "http://www.newsweaver.co.uk/support/spacer.gif" \* MERGEFORMATINET Contact your broker or insurer Make contact with your broker or insurer now to enquire if there is anything you should be addressing prior to renewal. Collect information now Start collecting information well in advance of the insurers finalising their proposal forms, as the information required can be difficult and time consuming to find and the collation of information should continue on an ongoing basis. Last years proposal forms should be checked to predict most of the information that insurers will be looking for at the next renewal date. Establish a system to capture this information on an ongoing basis to save both time and money in the long term. If your firm now or in the past has been engaged in what insurers consider to be high risk areas such as conveyancing, wills and probate and personal injuries, it may benefit your firm to outline what steps have been taken to minimise the risk from these areas and demonstrate the firms experience in the relevant practice areas. Seek copy of claims history The claims history of the firm should be obtained from the current insurer. The insurer is required to provide this information in accordance with the Qualified Insurers Agreement. The claims history report from the current insurer should contain the following information: a summary of each claim made again the firm under each policy, the amount reserved by the insurer against each claim (including the basis on which the amount was calculated) and whether the amount includes defence costs, information on any excess or deductible for each claim and any amounts paid out in relation to each claim (including any excess or deductible due from but not paid by the firm). Comment on any outstanding claims as to their current status. Outline what steps have been taken to avoid a re-occurrence of the problem. Research the market Research professional indemnity insurance market conditions and enquire from brokers about what type of firms are covered by each insurer. Many insurers may have narrow underwriting criteria and will only quote certain types of firms. Enquiries should also be made as to what are the key issues that suitable insurers for your type of firm will be looking for in assessing proposals. Apply early Some insurers limit the amount of business that they accept and, when this limit is reached, they will stop offering cover. Therefore, proposal forms should be submitted as soon as possible. Proposal forms should be available now or shortly. Early submission should also indicate that a firm is professional and well managed and therefore less likely to constitute significant risk. Wherever possible, firms should meet with insurers to address any key issues or concerns of insurers. If you deal with more than one broker, try to ensure that your proposal form is not sent to any particular insurer more than once. This can cause delay. Accept quotation promptly If you receive an acceptable quote for cover do not delay unduly accepting the quote, as the quote may be available for acceptance only during a specified period or may be withdrawn before acceptance. Never delay accepting a quotation beyond close of business on 30th November. Risk management The Society strongly recommends that firms adopt formal risk management policies and procedures and notify insurers of the procedures in place. Each insurer is expected by the Society to advise those firms currently insured by that insurer which the insurer believes would need to arrange for a risk management audit of their practice in order to facilitate the renewing of their professional indemnity insurance cover. If you are unable to obtain cover If it becomes clear that you are unable to obtain cover in the market or it appears likely that you will be unable to do so, act immediately. As a matter of urgency, discuss the situation with your broker and contact the Societys PII helpline on 01 8798790 or  HYPERLINK "mailto:piihelpline@lawsociety.ie" piihelpline@lawsociety.ie.  Guide to PII Renewal 2010/2011 Who are the main insurance companies in the Irish market? Insurance company Market share (measured by number of firms) Approximate number of firms insured XL new entrant in 2009 28% 600+ SMDF 27% 600+Quinn 14% 300+Chartis (formerly AIG) 9% 200+Liberty 7% 150+Royal Sun Alliance 7%150+Understanding professional indemnity insurers' requirements - HYPERLINK "http://www.lawsociety.ie/Documents/ezine/PII/PII_insurers_reqmts.pdf"view the attached pdf for more information under each of these headings: It is important to have knowledge of the difference between the requirements of individual organisations, both in Dublin and London. Understanding the people making the decisions who are underwriters? Underwriters have unspoken expectations of solicitors As a profession, we need to bridge the gap in understanding and communication between the legal profession and professional indemnity providers and brokers who specialise in this area. Distinguish between insurance companies and brokers Understanding the PII proposal form. A typical proposal form - HYPERLINK "http://www.lawsociety.ie/Documents/ezine/PII/TypicalProposalForm.pdf"view the attached pdf for more information under each of these headings: Index to a typical proposal form Examples of proposal form questions about Undertakings Register Format of Undertakings Register. The duty of Utmost Good Faith underpins PII insurance contracts - for more information, HYPERLINK "http://www.lawsociety.ie/Documents/ezine/PII/UtmostGoodFaith.pdf"view the attached pdf. What information do you need to provide to insurers? HYPERLINK "http://www.lawsociety.ie/Documents/ezine/PII/Information-for-insurers.pdf"View the attached pdf for more information under the following headings: The profile of a firm Risk management procedures and policies Claims history Disciplinary, regulatory and complaints history Financial viability Improving your insurance profile Distinguish your firm from others: Apply early late applications are treated as distressed Check and re-check your application form to ensure that there are no mistakes Write an outstanding covering letter Include a Certificate of Accreditation and your score if you have one Follow up your PII application do not assume that because you have heard nothing that all is well. Action plan for PII renewal 2010/2011 Start preparing for renewal now, if you have not already done so Look at last years forms to predict what information will be sought this year Obtain a print out of paid claims notifications and reserves from your insurer and start explaining Insurers are likely to look for more information this year so be prepared and start collating the information early Amend your financial records to record the breakdown of practice areas and set up systems to capture this information Select your broker carefully and avoid dealing with multiple brokers Look at the service you can expect from a broker and look at their level of expertise Some brokers are tied to one insurance company check that you are covering all your bases If you use more than one broker, make sure that your application only goes to an insurance company once Ascertain which insurance companies are willing to offer cover to a firm of your size Draft your covering letter early Have your PII form checked by someone else before sending it out. Insurers report that over two thirds of applications which they receive have mistakes, inaccuracies or omissions: e.g. The SMDF reports that up to 66% of forms are incorrectly filled out XL reports a similar statistic of 65-66% of forms that are incorrectly filled out Remember, an early submission demonstrates that you are professional and well managed - late applications are viewed as distressed by the insurers Use the proposal as an opportunity to convince insurers that they should offer PII to your firm consider it marketing material for your firm.  Risk Management 1. Risk management and benefits of implementing standards Risk management should be viewed as an opportunity to help your practice improve efficiency and reduce costs leaving you to concentrate on fee earning and not as a further additional burden imposed in already difficult times. Failure to manage risk can now result in firms having to cease trading or make trading unprofitable. Implementation of management systems will help to reduce exposure to claims. Marks of quality and accreditation will become a key differentiator to insurers when calculating premiums, as insurers are increasingly looking for reassurance that risk management is being properly addressed and covering what they see as the main causes of claims. They are adopting a more robust and co-ordinated approach to risk assessment resulting in more selective underwriting. 2. Achieving an accreditation standard The Law Society has approved a panel of consultants whose standards are broadly similar and whose accreditations are accepted by insurers. Choose the consultant with whom you want to work and engage with them as soon as you can. A self assessment checklist/questionnaire will indicate to you the areas of risk management in which you have adequate procedures and those in which you need to implement improvements. The principal of the firm or a partner should take charge of the process to ensure that the most comprehensive answers are given. While the process takes time, if you properly prepare for an audit you will reap the rewards. Your firm may be assessed in an audit at your offices which may take the form of a meeting with the principal or partners and either all the staff or a cross-section of the staff. Your written policies and procedures may be reviewed and assessors may want to verify that your staff know and understand these policies and that they are being implemented. On completion of a successful audit you may receive an accreditation confirming that your firm has reached the required standard. Usually, you will be able to display the accreditation standard on your paper. You should expect that the accreditation will require to be renewed each year. 3. Insurers understanding their perspective on standards Solicitors are seen by insurers as high risk following high level of claims with concern that there is still more to come. They will be looking at factors likely to determine premiums, such as claims and disciplinary records which they see as a pointer towards future claims. They are looking for systems to mitigate risk and are more frequently auditing insured firms to ensure compliance with those systems. Notwithstanding this, they are prepared to look for post-loss corrective actions as evidence of a new set of standards and a commitment to best practice and risk management will be vital. 4. How to "catch the insurance eye" Treat renewal as a priority. By taking appropriate action, you stand to improve both the number of insurers that may be prepared to cover you and the terms upon which they may be prepared to do so. Go about it in the same way that you would prepare for a business tender. Make your proposal stand out through its clarity, presentation and level of detail. Presentation is indicative of the way you conduct the rest of your business. Early submission may help demonstrate that you are a professional and well managed firm and therefore less likely to constitute a high risk. In leaving it late, you risk being put to the bottom of the pile. Take responsibility at senior level. Stress your processes and procedures and make integration of risk management and best practice systems a key component of your renewal strategy. Where possible show that you have obtained an audit to address matters or that you are engaging in such a process. Focus on the key areas which insurers see as the main causes of claims. Demonstrate the processes you have in place to pick them up. They will want to see a register of undertakings; a critical dates diary; evidence of regular file reviews; a designated partner for risk management; regular meetings with fee earners; procedures to ensure proper cover for colleagues. 5. Minimising your premium While there is no guarantee that discounts will be secured, the more issues you can address the greater the likelihood of minimising your premium. Initially, it will be containment rather than reduction. Demonstrate that you are managing and will continue to manage risk by the implementation of proper systems. Implementing a practice management standard demonstrates both good risk management practices and an intention to build for the future and meet the expectations of insurers. Lack of good practices is the most frequent underlying cause of claims. 6. Conclusions Implementation of good and proper systems will prove of benefit in the long run. Achieving a quality standard makes a statement to insurers, helps improve efficiency, and should reduce complaints, potential claims and the management time, expense and worry involved in dealing with them. Ultimately it should lead to a lower insurance premium resulting in greater profitability not only by virtue of reduction in this significant overhead, but also as a result of greater efficiency achieved throughout your practice. A Guide to the Minimum Terms and Conditions This article is intended as a practical guide to the profession regarding the most important provisions of the minimum terms and conditions for professional indemnity insurance and is in summary format to provide an 'easy-to-follow' guide. The article is not a definitive statement or interpretation of the law. View the article - HYPERLINK "http://www.lawsociety.ie/Documents/ezine/PII/guide-to-mtc.pdf"A Guide to the Minimum Terms and Conditions  The "Succeeding Practice Rule" The professional indemnity insurance regulations are designed to prevent situations whereby a clients valid claims are not covered by any professional indemnity insurance cover. Provisions in the regulations relating to succeeding practices and preceding practices are among the mechanisms put in place to achieve this objective. This article explains the effect of the regulations in circumstances where there is a succession to a firms practice. A succession can occur, among other circumstances, where one firm acquires the practice of another. The possibility of acquiring a practice often presents a very worthwhile opportunity for the acquiring firm. However, it is important for solicitors to be aware of the impact of the regulations in such a situation and, in particular, of a firms obligations in relation to the coverage of claims that may in the future be made against the acquired firm. View the full HYPERLINK "http://www.lawsociety.ie/Documents/ezine/PII/SucceedingPracticeRule_sept10.pdf"Succeeding Practice Rule article.  Misrepresentation or non-disclosure in placing professional indemnity insurance Any misrepresentation or non-disclosure in placing professional indemnity insurance has the potential to reduce the effective level of cover for your firm or remove cover for your firm altogether and, in certain cases, the cover for claimants that are financial institutions. Claims by financial institutions can be declined by the insurer if there is any material misrepresentation or non-disclosure (other than innocent misrepresentation or non-disclosure) in placing the insurance. In the case of claims by non-financial institutions, cover cannot be avoided by the insurer for misrepresentation or non-disclosure, but your firm may have to indemnify the insurer for claims in such cases. It goes without saying that proposal forms must be completed correctly in all respects and all relevant information provided to the insurer. Summary of relevant minimum terms and conditions Clause 5.3 of the minimum terms and conditions provides that, without prejudice to clause 7.17 of the minimum terms and conditions (which deals with claims by financial institutions), the insurance must provide that the insurer is not entitled to avoid or repudiate the insurance on any grounds whatsoever including where there has been non-disclosure or misrepresentation by the insured, whether such non-disclosure or misrepresentation is or is alleged to be innocent, negligent or fraudulent. Clause 7.17 provides that the insurance may exclude liability of the insurer to indemnify all insureds under the insurance in respect of any claim of a financial institution in circumstances where the insurer can demonstrate that any insured was guilty of any material misrepresentation or non-disclosure in placing the insurance, other than innocent misrepresentation or non-disclosure. Clause 8.2 of the minimum terms and conditions allows the insurance to provide that each insured who committed or condoned a non-disclosure or misrepresentation will reimburse the insurer. Where the non-disclosure or misrepresentation is innocent or negligent the insured may be required to reimburse the insurer to the extent that is just and equitable, having regard to the prejudice caused to the insurers interests by such non-disclosure or misrepresentations. Where the non-disclosure or misrepresentation is dishonest or fraudulent the insured may be required to indemnify the insurer in full in respect of any sums paid by it in or in connection with the discharge of any claim pursuant to the insurance. Notification of claims by 30th November 2010 All claims made against your firm and circumstances that may give rise to such a claim should be notified to your firms insurer as soon as possible. In particular, claims made between 1st December 2009 and 30th November 2010 (both dates inclusive) must be notified by 30th November 2010. Special care will be needed in the weeks and days approaching 30th November and on the day itself to ensure that the deadline is not missed. In addition, your firm should comply with any notification requirements set out in the insurance policy. Explanation for requirement to notify claims by 30th November 2010 The minimum terms and conditions for professional indemnity insurance, in clause 2.2, state that the insurance must indemnify each insured against civil liability incurred by an insured arising from any provision of legal services provided that:- (a) a claim in respect of such civil liability is first made against the insured and notified to the insurer during the coverage period, or (b) such civil liability arises from circumstances first notified to the insurer during the coverage period. In all cases the coverage period expires on 30th November. Therefore, all current insurance will expire on 30th November 2010. The consequence of this is that all claims first made against your firm on or before 30th November 2010 must be notified to the insurer by 30th November 2010. The insurer will be entitled to deny cover in respect of any claim first made against your firm on or before 30th November 2010 and only notified after 30th November 2010. PII Information on Society Website Additional professional indemnity insurance information is also available on the Society's website, including regulations, latest news and lists of brokers, insurers and risk management consultants. Visit the HYPERLINK "http://www.lawsociety.ie/PII"Society's PII web page. Useful Contacts List of Qualified Insurers View current HYPERLINK "http://www.lawsociety.ie/Documents/committees/PII/PII_INSURERS.pdf"list of qualified insurers List of Brokers View current HYPERLINK "http://www.lawsociety.ie/Documents/committees/PII/PII_BROKERS.pdf"list of brokers PII Helpline for Solicitors The Law Society has put in place a helpline to assist firms in dealing with the professional indemnity insurance renewal process. The helpline can be contacted by phoning 01 879 8790 or emailing  HYPERLINK "mailto:piihelpline@lawsociety.ie" piihelpline@lawsociety.ie and is available Monday to Friday. List of Risk Management Consultants The list of approved risk management consultants is as follows (in alphabetical order):  HYPERLINK "http://www.businesseye.uk.com/" BusinessEye HYPERLINK "http://www.legalrisk.co.uk/Pages/Article.aspx?id=269"Legal Risk LLP  HYPERLINK "http://www.legalwise.ie/" Legalwise  HYPERLINK "http://www.anneneary.ie/" Anne Neary Consultants  HYPERLINK "http://www.outsource-finance.com/" Outsource In each case, if you click on the name of the company concerned you will be connected to the website of the company which describes the services provided by that company and gives contact details.  *:;<=S T  çzczJz66'hh)&0JB*CJOJQJ^JaJph0hh)&hh)&0J>*B*CJOJQJ^JaJph,hh)&hh)&>*B*CJOJQJ^JaJph5jhh)&hh)&>*B*CJOJQJU^JaJph#hh)&B*CJOJQJ^JaJph7jhh)&B*CJOJQJU^JaJmHnHphu#hh)&B*CJOJQJ^JaJph)h 5B*CJOJQJ\^JaJphO\)hh)&5B*CJOJQJ\^JaJphO\;<M  Z [ C_s & Fdd[$\$gdh)& & Fdd[$\$gdh)&9kd$$If,,634ayth)&$Ifgdh)&gdh)&^  V Y Z [ y {  C^_'34&'ϻt5jhh)&hh)&>*B*CJOJQJU^JaJphhh)& hh)&0Jhh)&0JB*OJQJ^Jph#hh)&B*CJOJQJ^JaJph'hh)&0JB*CJOJQJ^JaJphhh)&CJaJ#hh)&B*CJOJQJ^JaJph,jhh)&B*CJOJQJU^JaJph*sRD'4'gdh)&gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)&gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)&68qrεΥjUA;4;4;4 hh)&5\ hh)&0J'hh)&0JB*CJOJQJ^JaJph)hh)&5B*CJOJQJ\^JaJphO\,jhh)&B*CJOJQJU^JaJph#hh)&B*CJOJQJ^JaJph#hh)&B*CJOJQJ^JaJphhh)&0JB*OJQJ^Jph0hh)&hh)&0J>*B*CJOJQJ^JaJph5jhh)&hh)&>*B*CJOJQJU^JaJph,hh)&hh)&>*B*CJOJQJ^JaJph8r$Ifakdx$$IfF ~  L6    34ayth)& $$Ifa$gdh)&gdh)&   ABTUqrLMg!~!sZLhh)&B*OJQJ^Jph0hh)&hh)&0J>*B*CJOJQJ^JaJph;j hh)&hh)&>*B*CJOJQJU^JaJph&hh)&>*B*CJOJQJ^JaJph5jhh)&hh)&>*B*CJOJQJU^JaJph#hh)&B*CJOJQJ^JaJph'hh)&0JB*CJOJQJ^JaJph#hh)&B*CJOJQJ^JaJphhh)&CJaJ  $$Ifa$$Ifakd$$IfF L6    34ayth)&  $$Ifa$$Ifakd$$IfF L6    34ayth)& 8<A $$Ifa$$Ifakd$$IfF L6    34ayth)&ABKOT $$Ifa$$Ifakd| $$IfF L6    34ayth)&TUilq $$Ifa$$Ifakd $$IfF L6    34ayth)&qrM Q !A!g!"@""":$uuu & Fdd[$\$gdh)&gdh)& & Fdd[$\$gdh)&gdh)&akdv $$IfF L6    34ayth)& ~!!!!!!!!""?"@"""""H#֊rnrZH"hh)&0J>*B*OJQJ^Jph'hh)&0JB*CJOJQJ^JaJphhh)&#hh)&B*CJOJQJ^JaJph hh)&0J0hh)&hh)&0J>*B*CJOJQJ^JaJph;j hh)&hh)&>*B*CJOJQJU^JaJph(hh)&hh)&0J>*B*OJQJ^Jph1jhh)&hh)&0J>*B*OJQJU^Jphhh)&0JB*OJQJ^JphH#I#J#_#`#a#c#######$$9$:$ȯȟvaO1ȯȟ+ hh)&0J;j$hh)&hh)&>*B*CJOJQJU^JaJph"hh)&0J>*B*OJQJ^Jph(hh)&hh)&0J>*B*OJQJ^Jph'hh)&0JB*CJOJQJ^JaJph)hh)&5B*CJOJQJ\^JaJphhh)&0JB*OJQJ^Jph0hh)&hh)&0J>*B*CJOJQJ^JaJph1jhh)&hh)&0J>*B*OJQJU^Jph;j hh)&hh)&>*B*CJOJQJU^JaJph:$P$Q$$$$%%Q%R%t&&&&&,,,,,$-%-..;0d0e000l555668)8*888M=j=k=8>9>???@@AAſտ퓁տտտտտտ#hh)&B*CJOJQJ^JaJph)hh)&5B*CJOJQJ\^JaJphO\,jAhh)&B*CJOJQJU^JaJph hh)&0Jhh)&0JB*OJQJ^Jph'hh)&0JB*CJOJQJ^JaJphhh)&#hh)&B*CJOJQJ^JaJph2:$Q${$$$$%R%%%&t&u&v&&&.''((()z)) & F dd[$\$gdh)& & F dd[$\$gdh)&gdh)& & Fdd[$\$gdh)&);*]*+\++B,,,,%-.l./;0e00 & Fdd[$\$gdh)& & Fdd[$\$gdh)& & F dd[$\$gdh)& & F dd[$\$gdh)& & F dd[$\$gdh)&gdh)& & F dd[$\$gdh)& & F dd[$\$gdh)&0L122J4l556G78*88s & Fdd[$\$gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)&gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& 89::g;;M=k=9>>S??sd & F"dd[$\$gdh)& & F!dd[$\$gdh)& & F dd[$\$gdh)& & Fdd[$\$gdh)&gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& & Fdd[$\$gdh)& ??@AAACCCCCCGGGG*B*CJOJQJ^JaJph;jhh)&hh)&>*B*CJOJQJU^JaJph&hh)&>*B*CJOJQJ^JaJph5jhh)&hh)&>*B*CJOJQJU^JaJph#hh)&B*CJOJQJ^JaJph hh)&0Jhh)&0JB*OJQJ^Jph-hh)&hh)&0JB*CJOJQJ^JaJph#hh)&B*CJOJQJ^JaJph)hh)&5B*CJOJQJ\^JaJphO\ CCCCCCEEWGYGgGhGGGGîzzaO1a;jphY hY >*B*CJOJQJU^JaJph"hY 0J>*B*OJQJ^Jph1jhY hY 0J>*B*OJQJU^Jph#hY B*CJOJQJ^JaJphhY 0JB*OJQJ^Jph#hY B*CJOJQJ^JaJph)hY 5B*CJOJQJ\^JaJphO\#hh)&B*CJOJQJ^JaJph,jhh)&B*CJOJQJU^JaJph&hY >**䴳ϴGGGGGGGGG;*B*OJQJU^Jph0hY hY 0J>*B*CJOJQJ^JaJphRRRGSSSATCTTT}UU VV~VVIXJXKXmXoX7Y8YBYCYkYݷݎs_&hY >*B*CJOJQJ^JaJph5jhY hY >*B*CJOJQJU^JaJph hY 0J)hY 5B*CJOJQJ\^JaJphO\hY CJOJQJ^JaJ#hY B*CJOJQJ^JaJph'hY 0JB*CJOJQJ^JaJphhY 0JB*OJQJ^Jph#hY B*CJOJQJ^JaJph%RJXoXpX8YYYY.ZZ[y\\ ]>]]]^^^gd*y & F'dd[$\$gd*y & F'dd[$\$gd*ygd*y dd[$\$gd*y & F&dd[$\$gdY gdY kYlYmYYYYYYYYYYYƭƛm[G0,h*yh*y>*B*CJOJQJ^JaJph'h*y0JB*CJOJQJ^JaJph#h*yB*CJOJQJ^JaJph)h*y5B*CJOJQJ\^JaJphO\#h*yB*CJOJQJ^JaJph h*yhY #hY B*CJOJQJ^JaJph0hY hY 0J>*B*CJOJQJ^JaJph5jhY hY >*B*CJOJQJU^JaJph;j,"hY hY >*B*CJOJQJU^JaJph YYZZZ+Z,Z.Z>ZKZLZMZZZZZZZZ[[[[[[вs\>s\;j#h*yh*y>*B*CJOJQJU^JaJph,h*yh*y>*B*CJOJQJ^JaJph'h*y0JB*CJOJQJ^JaJph#h*yB*CJOJQJ^JaJph0h*yh*y0J>*B*CJOJQJ^JaJph;j"h*yh*y>*B*CJOJQJU^JaJph&h*y>*B*CJOJQJ^JaJph5jh*yh*y>*B*CJOJQJU^JaJph[[[\y\z\\\\\\\\\\׫y`E'E;j%h*yh*y>*B*CJOJQJU^JaJph5jh*yh*y>*B*CJOJQJU^JaJph0h*yh*y0J>*B*CJOJQJ^JaJph;j %h*yh*y>*B*CJOJQJU^JaJph&h*y>*B*CJOJQJ^JaJph/jh*y>*B*CJOJQJU^JaJph'h*y0JB*CJOJQJ^JaJph#h*yB*CJOJQJ^JaJph,h*yh*y>*B*CJOJQJ^JaJph\]] ] ]1]2]3]>]@]f]g]h]]]]]]]]^^̵̵̵y̵[K9#h*yB*CJOJQJ^JaJphh*y0JB*OJQJ^Jph;j;(h*yh*y>*B*CJOJQJU^JaJph;j'h*yh*y>*B*CJOJQJU^JaJph;j&h*yh*y>*B*CJOJQJU^JaJph,h*yh*y>*B*CJOJQJ^JaJph5jh*yh*y>*B*CJOJQJU^JaJph0h*yh*y0J>*B*CJOJQJ^JaJph^^^^ hY hh)&CJOJQJ^JaJ,j)hY B*CJOJQJU^JaJphh*y,1h. A!"#$% F~ ϶<>|N'p.JFIF,,EPhotoshop 3.08BIMx2Gerry Doherty, President of the Law Society. *** Local Caption *** Copyright and Related Rights Act, 2000. Under the Copyright and Related Rights Act, 2000 the copyright of any photograph or image belongs to and remains with SKP & Associates Ltd trading as Lensmen & Associates. If clients wish to use their images for promotional or advertising purposes SKP & Associates Ltd T/A Lensmen & Associates would recommend that the Client would get model release forms signed and dates from the people within the image. If there are children within the images either a parent or a guardian must sign model release forms before any photographs are taken, thus giving written permission to the client to the use of the images for any purpose the client so wishes. 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\;JVH]d}]"W^'G[lnIk~smuceX;~ݖ;ےXEr$/``I};;Sf׹êŃg > :N kX5; [7*pnU/º2暈u^?3z;d=]Gb< _=UŠ:5cCnߴk}MS)u-vpd*0g"do{臸)d[puR|> 6T0t:F SѴ r$~E– HׂW 9.ܼglr]Szrv9 CvN7Rcq挘kCA+=wk$`x _%X?ۏ+6ovs=9d*|.n׽qvKwOtA@;I6IDuU:H2VM{X\a S#'w땰??"Lߑdl W.$m7mk-FVMF=66+!ۧ;B6NX9MڃMVUc~7}%K IەQѢO6m}\GߡHH!tQhW6_[S-pmO-xz_o[vϦBn ˙S%,'wm׳?u* u_.S߶?@=?kM]cmO3QT!#(Evڒk걮as`HC`Z%#'PԷ=T:?eO>1✖~G#>?G[FG- Igo*6ߑh-c} .vȢelqo&A 2ZCK2*$ۺ @) V`-v[6Ef9iM[ksht3o5଴Av=4J`=kOLm^u "` hRq  )YPn!4"_KIVjmd>*BwRu uߚ͌oKw/(Ui#|HnFì~35u8BIM!SAdobe PhotoshopAdobe Photoshop CS8BIMExifMM* 3(12;2G*ihGerry Doherty, President of the Law Society. *** Local Caption *** Copyright and Related Rights Act, 2000. Under the Copyright and Related Rights Act, 2000 the copyright of any photograph or image belongs to and remains with SKP & Associates Ltd trading as Lensmen & Associates. If clients wish to use their images for promotional or advertising purposes SKP & Associates Ltd T/A Lensmen & Associates would recommend that the Client would get model release forms signed and dates from the people within the image. If there are children within the images either a parent or a guardian must sign model release forms before any photographs are taken, thus giving written permission to the client to the use of the images for any purpose the client so wishes. It would be up to you, It is important to note that under the COPYRIGHT AND RELATED RIGHTS ACT 2000 the copyright of these photographs are the property of the photographer and they cannot be copied, scanned, reproduced or electronically stored in any form whatsoever without the written permission of the photographerCanonCanon EOS 20D,,Adobe Photoshop CS Macintosh2009:11:02 17:01:44Lensmen & AssociatesLensmen-single use onlyLensmen"' 0221 ’ ʒ I Ҡܢڢ 2009:10:07 14:41:552009:10:07 14:41:55yXB@ F5wu#N:B(JHHJFIFC   %# , #&')*)-0-(0%()(C   (((((((((((((((((((((((((((((((((((((((((((((((((((j" }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?/+#%K`┉|F+<üj,!0!]BS&)k!<)Qeϩ\<`sR[{;/c#km*OExnD2Vky/5zzI LEY _-¸Rg6pf.>ʤ*=(ʾʻP*ޱx..Mlϳոųٷ,з"y#>ڴ-(ݶj?ܡ;<RXhM'Rr~c-Xՠ&ȏxQGscʊsy&H v\a VV_D:VV[+sp8 19;~=kmմ頿m{ga(;Y;$7manvu5ZC-#!Ǔ̃oX^*$MKF*U>X\| WB2 =xya='TA>̷lP$éE[[r2H0 *ͧ,el0[^կ-/ΒڜQ@|gtE~ żAGE7e/h"5&yc]&jo(M\ݶ55"tE>ᄥ-fpbմv{0?ѰG%-#Ҳc8r8:H尭^ǨX<][}E9POlojWmO,E1^o4ɨE~#@?>jԭnRS*A⋨1Uo.e`7Ag_b BZ`߾d*?Tp֒&j F+mZqđ\ui-)6<=jpk&ilf=}Ie9m!A@zפ˺8Dhrk>[ c5Kz{ kYAR3uF}ae[$k_6rKf.NGb=+MbDs :-+хV">ܵ8v9-.učc!\yPOl׫8 6O] >~|qϷ5,b;0j։$Gʀ#bWvA+ю+ʡy_C5b;W.D hj:Q؉:'жqe'xd]AKwԴCPgVI\ M2 6_U3K!$x֚(v's 50vE6YC׭bHq֦KsڳdP`Wlç5d*zVу(5(`izv>'m>tRK0:9b>5ː!:έ(ԏ,]dY݀L!3, ʰ[J7Ђ5x^}r6{:tշ8Պ8R\w'Y:3ѭTvƪ=4d$!T'\q]C0B{QF}95o¹ppr]]*؊n$OzsDJІhdSluR+Ϧ} { KF8,1ڮ^4}_^d)A:"4qui ąpH/B*0Nk4d B5:\lcH\ҫ%pf+ Z]{TW04הNv+&wc{$6ҲX~gnvfOأol[-'eɫ244rY9=j~\ֱ\HE)Z/xsX*BkV$A^W+ 5x:4Wj M$L4kmS X2O_A[z"ƘydqYB՘۷q]c'++Wg2pz|L9H2c-{zpQX zl񭋈|9l \<q5?b5\' DHZ?/k:^[J(wwa 1.YcFH]%z$P#W{ˡ)9b@7XUH6^n [4@;FՈmܽky;M"Y9[w `V2kI=di,'+72aϥQE$$T+<)_ԣ^Ke9r SZ3|:vlһkfix翹1UⲮ! 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