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Copyright Notice: The contents of these pages are © Lloyd's Members Agency Services Limited 1999-2003. Reproduction is only permitted in accordance with the licensed terms below. 

Licensed Terms: In any event, the copying of any article is only permitted if it is copied in full with no amendment or editing. Translation is permitted on the basis that you take full responsibility for the accuracy of the translation. 

License To Copy For Personal Use: You may print copies of any item in hard copy for your personal use or for use by others within your organisation. You may also download any item to local hard disk provided it is for your personal use or access by others within your organisation. 

License To Recopy For Limited Purposes: The supply of any copy to a third party is permitted for their personal use provided that:

 it is acknowledged that the Lloyd's Members Agency Services Limited (LMAS) website is the source of the material including the LMAS web address in the copy of the material;

 the third party is informed that these license conditions apply to him and he must comply with them;

it is not supplied as part of another work or publication; and it is not supplied directly in return for commercial gain.

Requests to reproduce material outside the scope of this license should be addressed to: Angela Kerr