Thanks for the information El. Very informative
It's a question I get asked from time to time by people who know I'm an accountant. The other question I get asked from time to time is for advice on investments. Someone at my church was upset with me when I told her that I could not give her advice as I'm not authorised to do so. If I did give advice and they lost money as a result, I would get sued for the loss and I would not be covered by my insurance.