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© 2006, Clarke Fencott Consultants. All rights reserved. Clarke Fencott Consultants is Authorised and regulated by the Financial Services Authority (FSA). Clarke Fencott Consultants Limited is entered on the FSA register (www.fsa.gov.uk/register/) under reference 214416. The advice and/or guidance contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.