Editor: E-mail Pat Williams
E-mail John Arnold
Issue: 92
Dated: 10 January 1999
Welcome to the Business Credit News UK.
As this is our first edition of the New Year we would like to wish all our readers, friends and clients a very happy, healthy and prosperous New Year.
In this weeks edition you will find the following topics.
UKBANK OF ENGLAND REDUCES INTEREST RATES BY 0.25% TO 6%
The Bank of England's Monetary Policy Committee voted, on the 7th January 1999, to reduce the Bank's repo rate by 0.25% to 6.0%.
Since the Committee's December meeting, domestic data and survey evidence have, on balance, shown a continuing slowdown in the UK economy.
The labour market remains tight but it seems to have reached a turning point. Evidence from wage settlements and the Bank's regional Agents suggest an easing of upward pressures on growth in pay. The risks from the international environment remain clearly on the downside. In these circumstances the Committee judged that a further reduction in interest rates of 0.25% to 6.0% was appropriate in order to maintain a path for inflation consistent with the target.
The minutes of the meeting will be published at 9.30am on Wednesday 20 January.
The previous change in interest rates was a cut of 0.50% to 6.25% on 10th December 1998.
THE EURO AND TAX OPTIONS
Businesses need to be aware of the options that arise from the introduction of the euro on 1 January 1999.
A new leaflet `The euro' published last week provides important information about how the euro will affect business people in their dealings with the Inland Revenue.
DETAILS
RETAIL SALES EDGE UP IN DECEMBER - CBI
Retail sales volumes rose slightly in December, roughly in line with retailers' expectations. A similar rate of growth is expected for January, according to a Confederation of British Industry survey out on Thursday 7th January. However, trading conditions around the turn of the year are difficult to interpret due to shifts in the timing of sales activity.
The latest CBI Distributive Trades Survey, covering sales from 3 to 29 December, shows that 41 per cent of retailers reported increased sales volumes compared with the same time a year ago, while 37 per cent said they were down, leaving a positive balance of 4 per cent. This compares with negative balances of minus 9 in November and minus 4 in October.
The three monthly average indicates that underlying sales remain broadly flat when compared with a year earlier.
The survey shows that footwear and leather retailers, grocers and booksellers reported the strongest growth in sales volumes. Furniture and carpet stores, confectioners and hardware, china and DIY retailers reported the sharpest downturn in sales compared with a year ago.
The volume of orders placed with suppliers fell slightly in the year to December as had been expected. A more rapid fall in orders is expected for January.
Alastair Eperon, Chairman of the CBI's Distributive Trades Survey Panel, said: "Retailers had anticipated that consumer confidence would remain low and were not expecting - and indeed did not experience - a significant rise in sales volumes in the run-up to Christmas. The modest growth in trade is expected to continue although this will depend on the success of the January sales. The indication that the underlying sales trend remains flat supports the case for interest rates to be reduced further."
Wholesalers' reported a slight rise in sales volumes in December despite previous expectations of a sharp contraction following on from the sharp fall in November. Sales were viewed as above average for the time of year for the first time since April 1998 and are expected to remain so in January.
Motor traders' sales volumes dropped in December, but to a lesser extent than had been expected and by a smaller amount than reported in November. a sharper fall is expected in January.
LONDON/FRANKFURT ALLIANCE
A new European Stockmarket Alliance between the London exchange and the smaller-but-striving Frankfurt came into operation. Several other European bourses are likely to join during the year. The eventual aim is to create a single trading area for 300 blue-chip European shares.
Source: The Economist
HOUSEBUILDING: NOVEMBER 1998
In November 1998, it is provisionally estimated that 13,200 dwellings were started in Great Britain compared with 14,000 in November 1997. Completions numbered 14,100 compared with 15,900 in the previous year.
In the latest three months 41,900 dwellings were started, down 10 per cent on the same three months a year ago, while completions at 42,700 were down 9 per cent compared with the same period a year ago.
BRITAIN 1999
Britain 1999 - the official yearbook of the United Kingdom - is celebrating its 50th edition. Its traditional snapshot of modern-day British life comes this year with a special review of the enormous changes that have taken place in the past five decades.
The book provides in depth coverage of the whole spectrum of activity in the UK, and is the only place you'll find the complete background to 'how Britain works'. It includes a step-by-step guide to the law making process, details of Britain's scientific research and development, and headline economic indicators.
The five sections of the yearbook look at: Britain and its people; government and foreign affairs; social and cultural affairs; the environment and transport; and economic affairs.
This 50th edition has more tables charts and diagrams than ever before along with 40 pages of mostly colour photographs which range from tranquil gardens and the 1998 special stamp programme to landmine clearance and some of Britain's more unusual customs.
The yearbook's 600 pages are packed with facts and figures and is an important part of the information service provided by British diplomatic posts.
A few facts from Britain 1999
There are now 116 different species of fish in the upper Thames estuary and over 350 species of invertebrate such as the water hog louse, brown shrimp, sea gooseberry and edible crab.
By the summer of 1998 the Thames Barrier, which became operational in 1983, had been closed 31 times to stave off the threat of devastating floods in London. The busiest year was 1993, when there were nine separate closures, four of them in October alone.
In 1948, 40 per cent of deaths in England and Wales occurred under the age of 65. By 1996, the proportion had fallen to 17 per cent.
The population density of the UK, at 241 people per square kilometre, is just over twice the average for the European Union as a whole (117). Within that, Scotland has just under half the density of the EU average (66), while England 's density is 375 people per square kilometre, more than three times the EU average, and second only to The Netherlands(377).
The City of London has more overseas banks than any other financial centre, the biggest market in the world for trading foreign equities, the largest fund management centre, and by far the world's biggest foreign exchange market.
The number of civil servants fell from 751,000 in 1976 to 463,300 in April 1998 (a decrease of 38 per cent), the lowest number since 1945. About 3,000 members of the Senior Civil Service are included in this figure. However, the diplomatic service is separate and has about 3,500 staff.
The UK is the second largest contributor (after the USA) to the Stabilisation Force of the United Nations (SFOR) in Bosnia and Herzegovina, providing about 4,800 troops and 350 other personnel.
In 1996-97 the number of home first degree graduates from Great Britain institutions was 232,000, compared with 145,000 in 1991-92. Of these, 110,000 graduated in arts subjects(including social sciences and business and financial studies), and 78,000 in the sciences. The rest graduated in multidisciplinary studies.
In 1997, 670 liver, 266 heart, 103 lung and 44 heart/lung transplants were performed.
The Full Monty has become the highest earning British film of all time: it cost £1.6 million to make and by April 1998 had earned £140 million.
In 1996-97 by far the most popular physical activity in the UK was walking, in which 49 per cent of males and 41 per cent of females took part. Keep fit/yoga and swimming were the second and third most popular for women; but soccer was only fifth for men, after snooker/pool/billiards, cycling and swimming.
A notable feature of the pattern of home ownership in the UK is the relatively high proportion of homes owned with a mortgage-around 42 per cent of dwellings, compared with an EU average of 24 per cent.
In 1997 London Heathrow and London Gatwick accounted for about 63 per cent of passenger traffic at the UK's 12 principal airports. The third busiest airport was Manchester.
Between 1987 and 1997 Gross Domestic Product (GDP), the measure of economic growth, increased by 24 per cent, adjusted for inflation.
The largest contributor to government funds is still income tax, at nearly 26 per cent, followed by social security contributions and VAT (both 17.1 per cent). Excise duties contribute 11.3 per cent and corporation tax 10.3 per cent.
With only about one per cent of the world 's population, the UK is the fifth largest trading nation, accounting for around five per cent of world trade in goods and services.
The European Union accounts for 55.8 per cent of UK exports and 54.5 per cent of imports. North America accounts for 13.9 per cent and 14.8 per cent respectively.
More Nobel Prizes for science (over 70) have been won by scientists from the UK than from any other country except the United States.
About 100 public sector businesses have been privatised since 1979.
At the start of 1997 there were an estimated 3.7 million businesses in the UK, including about 2.5 million sole traders.
Woodland covers a little less than eight per cent of England, nearly 16 per cent of Scotland, 12 per cent of Wales and six per cent of Northern Ireland. This is under 11 per cent of the total UK land area and well below the 30 per cent average for the whole of Europe.
Manufacturing accounted for 18 per cent of employment in 1997, with the East Midlands and West Midlands having the highest proportion of manufacturing employees (26 per cent in June 1998) and London the lowest (eight per cent).
During 1997 construction of some 199,900 dwellings was started in the UK: 171,500 in the private sector; 27,400 by housing associations; and 1,100 in the public sector.
An Environment Agency study published in March 1998 concluded that there are 1,000 million litres less water available today from lakes, rivers and aquifers than was estimated in the early 1990s.
The biggest supermarket groups by sales value - Tesco, Sainsbury, Asda, Safeway and the recently merged Somerfield/Kwik Save account for around two-thirds of total grocery sales, including over 45 per cent of UK food sales.
Britain 1999 - The official yearbook of the United Kingdom, published for the ONS by The Stationery Office.
Price £35. ISBN 0-11-621037-0.
Brian Wilson, Minister for Trade, announced last week that ECGD was ready and willing to provide export credit support for British companies who wish to trade in EUROs.
Mr Wilson said:
"The birth of the EURO has presented British exporters with another useful option with which to finance their overseas orders. I do not want our exporters of capital goods and services to miss out on any opportunities the new currency may offer and so I am delighted to tell them that ECGD is geared up to assist."
New documentation to enable ECGD to support loans to overseas borrowers denominated in EUROs is already in place. It is likely that this is going to be of immediate benefit for exports in the civil aerospace sector.
ECGD's internal accounting system is ready to receive and pay out EUROs. ECGD already has a number of existing contracts on its books denominated in participating currencies.
ECGD, the Export Credits Guarantee Department, Britain's official export credit agency, is a separate Government Department responsible to the Secretary of State for Trade and Industry. One of its main functions is to underwrite bank loans to enable overseas buyers to purchase capital and project related goods/services from Britain.
Most of the loans backed by ECGD tend to be denominated in either Sterling or US Dollars. A range of other currencies, however, have also been supported in the past, e.g. Canadian, Hong Kong and Singapore Dollars, Dutch Guilders, ECUs, French Francs, German Marks, Japanese Yen and Malaysian Ringgits.
ROGUE DIRECTOR 'HOTLINE' HITS 1,200 CALLS
Hotline: 0845 601 3546
The Government's commitment to tackle rogue directors and undischarged bankrupts who continue to operate in the face of court bans was, last week, re-affirmed by Kim Howells, Competition and Consumer Affairs Minister.
Since the 'Defiant Directors Hotline' was launched one year ago:
He said:
"The Government recognises that due to the nature of entrepreneurial risk not every business succeeds. Honest directors - our future wealth creators - have nothing to fear from our crackdown. I want to give them every opportunity to start up again in business if they have acted within the bounds of the law.
"However, those who are not fit to be in the privileged position of being a director should be under no illusions - those who abuse the system, often for their own benefit and at the expense of others, will be brought to book.
"The large number of calls to the Hotline has emphasised to me the extent of concern and I am grateful for those who have taken the trouble to contact the Insolvency Service. A significant proportion of our investigations do not show there has been a breach, but I want people to continue contacting us so that where there are abuses we can act."
Dr Howells said the results of the Hotline initiative together with the latest disqualification statistics confirmed the effectiveness of the Government's approach to tackle rogue directors and phoenixism:
"The Hotline has received calls from other Government departments and from trading standards offices which suspect that people in their localities may be contravening disqualification orders."
Those who have information on anyone defying a Disqualification Order should contact the Hotline on 0845 601 3546. Calls will be charged at local rates.
The Insolvency Service is an executive agency of the Department of Trade and Industry.
The disqualification statistics relate to the directors of failed companies in liquidation, administrative receivership or administration.
Section 6 of the Company Directors Disqualification Act 1986 allows the Court to make a Disqualification Order of between two and 15 years for unfit conduct as a director. This is the section used by the Insolvency Service.
*** Forthcoming Creditors Meetings ***
Contributed byhttp://www.insolvency.co.uk
For more detailed information and ALL the British Isles insolvency's (liquidation's, receiverships, administrations, dividends, creditors) please visit http://www.insolvency.co.uk
From 11/01/99 to 19/01/99 Number of Creditor meetings : 117 Section Company Time Venue 138 Scotland - Interim Liquidator calling Creditors Meeting 11/01/99 Kenny Black Ltd 11.00 am Aberdeen 12/01/99 Campbeltown Bread Co Ltd 03.00 pm Glasgow Lawdale Ltd 11.00 am Perth Really Good Coffee Co Ltd - The 11.00 am Glasgow Rock Developments Ltd 03.00 pm Glasgow 14/01/99 Sinclair Macleod & Co Ltd 11.00 am Stornoway 15/01/99 Featherhall Holdings Ltd 11.00 am Edinburgh Featherhall Press Ltd 12.00 pm Edinburgh 23 Administrator Calling a meeting of Creditors 13/01/99 Sondhi Kellar Plc 11.00 am Manchester 48 Receiver calling unsecured Creditors Meeting 13/01/99 Hydrostatic Transmissions Ltd 11.00 am Ipswich 14/01/99 HCG Group Ltd - The 10.00 am London Lion Plant Ltd 11.00 am Liverpool Trelli Assemblers Ltd 11.00 am Birmingham 15/01/99 Crosseas Shipping Ltd 10.00 am London 19/01/99 BPL (Sutton) Ltd 10.30 am Cheam 67 Scotland - Receiver calling Meeting of unsecured Creditors 19/01/99 Rock Developments Ltd 12.00 pm Glasgow 95 Members converting to Creditors Voluntary Liquidation 18/01/99 E C K Ltd 11.00 am Warrington 98 Creditors Voluntary Liquidations 11/01/99 Allied Medcom Ltd 11.15 am London Coin International Ltd 11.30 am Rotherham Drings of Bath Plc 11.00 am Bristol Euro Acoustics Ltd 03.30 pm Sileby Gelten Ltd 10.15 am Bromley Mentex Ltd 03.30 pm London Support Security Services Ltd 11.00 am London Thistle Packaging Ltd 11.30 am Perth Virtual Salesforce Ltd 11.15 am Bately Whitelight Technical Services Ltd 10.30 am Southend-on-Sea 12/01/99 Albion Recruitment Ltd 11.00 am Sheffield Apextech Ltd 10.30 am Ipswich Bernam Ltd 12.00 pm Liverpool Birchington Home Improvements Ltd 12.00 pm London Britannia Holiday Homes Ltd 11.00 am Hull Chemical & Thermal Engineers Ltd 11.00 am Manchester City West Ltd 03.00 pm London Creeksea Terminal Ltd 12.00 pm London Crocodile Transport Ltd 11.00 am London F & L Zeffman Ltd 02.30 pm London Gerrard (UK) Ltd 12.00 pm London Greenfield Products Ltd 03.30 pm Lutterworth Harbour Meats Ltd 11.00 am Hornchurch Hedgebadger Ltd 11.30 am Manchester Karton Karriers Ltd 10.30 am Hull Keith Harrison Engineering Ltd 11.30 am Derby Metrostar UK Ltd 12.00 pm London Midland Maintenance Ltd 11.00 am Birmingham Modelmaking Business (Birmingham) Ltd 10.30 am Birmingham Novacharm Ltd 12.00 pm London OKS Coachworks Ltd 11.30 am Tonbridge On Target Signs Ltd 12.00 pm Buckfastleigh Optimum Personnel & Business Serv Ltd 02.30 pm London Peckham Ltd 12.00 pm London Perihellon Distributed Software Ltd 11.00 am Bristol Preview Fashions Ltd 11.00 am London Quaystone Builders Ltd 11.30 am Southampton Ramsgate Oddfellows Club & Institute L 10.30 am Margate Safetygain Ltd 02.00 pm Halesowen Stills In The Sticks Ltd 12.00 pm London Superchoice Ltd 11.00 am London Taylor Harvey Ltd 12.00 pm Glasgow 13/01/99 Bartlime Ltd 11.00 am London Belmix Ltd 11.00 am Winchester Broadland Garden Furniture Ltd 02.45 pm London Business Planning Services Ltd 11.30 am Cardiff Cartouche Ltd 10.15 am Sheffield Key Radio Systems (Scotland) Ltd 10.45 am Edinburgh Ladder Systems Ltd 11.00 am Slaugham Leeward Marine Ltd 11.30 am Southampton Mondair Ltd 03.00 pm London Plumbfast Ltd 11.00 am Sheffield Powacentre Ltd 03.00 pm Liverpool Strata Travel Ltd 11.00 am London TR Technical Services Ltd 11.30 am Crawley Tirreno Danmar Ltd 11.30 am Manchester 14/01/99 Acoustat Ltd 02.00 pm Bristol Balida Ltd 11.00 am London Big Toe Productions Ltd 10.45 am Cheam Burbank & Davenport Services Ltd 02.30 pm London EB Copyrights Ltd 10.30 am Rugeley Firstmaid Ltd 11.30 am Crawley Footline Ltd 10.30 am London Global Internet Consultants Ltd 11.30 am London Headons Bakery Ltd 11.00 am Okehampton Limacrest Ltd 10.15 am Leeds Manor Fine Furniture Ltd 12.00 pm London Maple Group Ltd - The 12.00 pm Royston P 3 Ltd 11.30 am Slough P B Micher Ltd 11.00 am Bristol SA 1998 Ltd 10.30 am Birmingham Starform Consultants Ltd 11.00 am London Turbo Machine Tools Ltd 10.00 am London 15/01/99 All Purpose Food Equipment Ltd 02.00 pm Northampton B T Enterprises (1986) Ltd 11.00 am Northampton Boss Models New York - London Ltd 10.15 am Maidstone Brompton Design Co Ltd 11.45 am London Calverpoint Ltd 12.00 pm London Ciriz Technologies Ltd 03.00 pm London D J Donaldson Insurance Brokers Ltd 11.30 am London Davwood Ltd 03.00 pm Bristol Engineering Technology (Hayes) Ltd 11.15 am London Geotech Polymer Systems Ltd 12.00 pm Bristol Lamb Hotels Ltd 12.00 pm London Masterscan (Digital Colour) Ltd 11.30 am London Quadrant Stationery Supplies Ltd 11.00 am Barnet Regency Awnings Ltd 12.00 pm London Roger Michael Associates Ltd 11.00 am London Sub Ground 2 RG Ltd 10.30 am Reading 18/01/99 London Sand Blast Co Ltd - The 02.30 pm London Metro Travel & Tours Ltd 11.30 am London Montpelier Hospital Ltd - The 11.00 am London 19/01/99 Arena Building Co Ltd 11.00 am Birmingham Live Venue Ltd 01.30 pm London M & P Design (Midlands) Ltd 11.00 am Birmingham Monarch Restaurants Ltd 11.00 am London Paratus Ltd 11.45 am London Salford Creche Co-Operative Ltd 12.00 pm Hale Scale Post Ltd 02.30 pm Darlington Victorian Exports Ltd 10.00 am London
TW LW TW LW
USA 1.6651 1.6923 Canada 2.5082 2.6103
Austria 19.4576 19.6988 Portugal 283.966 287.044
France 9.2976 9.3907 Belgium 57.1360 57.7720
Finland 8.4270 8.5110 Italy 2743.94 2772.54
Germany 2.7712 2.8006 Sweden 13.2687 13.6250
Holland 3.1233 3.1545 Switzerland 2.2875 2.2638
Spain 235.660 238.260 Ireland 1.1140 1.1274
Australia 2.6702 2.7339 Denmark 10.5534 10.6594
Hong Kong 12.9010 13.1111 ECU 1.4276 1.4251
Africa Com 9.5440 10.2806 Saudi Arabia 6.2451 6.3495
India 70.6830 71.9940 Malaysia 6.3270 6.4306
Singapore 2.7929 2.7970 Norway 12.3858 13.2763
Japan 186.740 198.270
TW This week LW Last week.
After American antitrust officials scuppered the sale of its Tioxide chemical unit to DuPont and NL Industries, Britain's ICI is to restructure its paints division, cutting 1,000 jobs.
Source: The Economist
LUCASVARITY
Lucasvarity, which failed recently to persuade its shareholders of the case for a listing in New York rather than London, confirmed that it is talking to several firms -- rumour says America's Tenneco and TRW -- in the car-parts business, hoping for anything from an alliance to a merger.
Source: The Economist
PRICEWATERHOUSECOOPERS
PriceWaterhouseCoopers, the world's biggest accountancy and consulting firm, said it was planning a big expansion into legal services. It hopes to become one of the world's five biggest law firms within five years.
Source: The Economist
MERGER CLEARANCE
The Secretary of State for Trade and Industry has decided, on the information at present before him, and in accordance with the recommendation of the Director General of Fair Trading, not to refer the following mergers to the Monopolies and Mergers Commission under the provisions of the Fair Trading Act 1973:Acquisition by Corning Optical Fiber Incorporated of the 50% partnership interest held by BICC plc in Optical Fibres
Proposed acquisition by The Wolverhampton & Dudley Breweries PLC of Marston Thompson and Evershed plc
Proposed acquisition by the General Electric Company plc of the Computed Tomography Division of Elscint Limited
Acquisition by Centrica Plc of Powergen North Sea Ltd
Acquisition by Special Metals Corporation of certain assets of Inco Limited namely its Inco Alloys International business unit
Acquisition by Thompson Travel Group plc of Crystal International Travel Group Ltd
Acquisition by Pearson plc of certain assets of Viacom Inc. namely The Simon & Schuster education, business and professional reference publishing divisions.
Proposed acquisition by DLJ Phoenix Securities on behalf of Ockham Holdings PLC of New London Capital PLC
MMC INVITE EVIDENCE ON THE SUPPLY OF IMPULSE ICE CREAM
John Bridgeman, Director General of Fair Trading has asked the MMC to inquire into the supply of impulse ice cream. This follows the MMC's report, completed in April 1998, into the distribution system operated by the market leader, Birds Eye Walls.
The MMC have been asked to investigate the whole sector, paying close attention to competition concerns.
The MMC welcome any views from interested parties, in writing, by 15 February 1999. Anyone wishing to submit evidence or obtain a copy of the full terms of reference, should write to:
The Reference Secretary (Ice Cream)
Monopolies and Mergers Commission
New Court, 48 Carey Street
London
WC2A 2JT
(Please quote reference INTNT 1/99)
KICK THE HABIT
The Internet's Fitness Resource
NEW IT SKILLS GROUP TO KEEP UK AT CUTTING EDGE OF COMMUNICATION AGE - BLUNKETT
Education and Employment Secretary David Blunkett last week announced the appointment of Alan Stevens - Chief Executive of the IT services company EDS - to head up a new high-powered industry-led group to address skills needs in the information and communication technology and electronics sectors. The group will form part of the National Skills Task Force and the will draw on the Department of Trade and Industry,s Information Age Partnership.
Mr Blunkett said:
"The National Skills Task Force has rightly identified the skills needs in the IT and electronics sectors as a national priority. To be a successful, modern economy our country needs a leading edge IT industry and IT firms need the right people with the right skills for the job.
"Alan Stevens, group will have one of the most important jobs in the country. This is not just a `talking shop` but will identify solutions to deliver improvement in the skills of those using these technologies.
"The group has been established to develop a National Skills Strategy for the Information Technology, Electronics and Communications (ITEC) sector, and in particular to advise and make recommendations on appropriate action on:
"We are already doing much to tackle this issue. My Department is providing free training to help small firms address potential IT problems associated with the Millennium Bug. Last year, I announced the setting up of 120 Centres of Excellence and Skills Challenge facilities, offering IT training which will help increase the general pool of IT skills in the UK. These centres will enable people to train when it suits them by widening access through remote site learning, use of the Internet, and mobile and community access points."
The National ITEC Skills Strategy Group will report jointly to the Skills Task Force established by Mr Blunkett and the DTI's Information Age Partnership. The group will produce a first report by Easter and a final report by July 1999.
STUDY INVESTIGATES POSSIBLE HEALTH RISKS FROM USING COMPUTERS
The Health and Safety Executive (HSE) is funding a joint study by two universities to examine possible health risks of various computer input devices such as the mouse, touch screens and joysticks.
The two-year study is being carried out by researchers at the University of Surrey and Loughborough University. It will specifically analyse the health effects of non-keyboard devices as well as generate new approaches to their design and use.
Touch screens, joysticks and other tools are increasingly being used to operate and input information into computers in office and industrial settings. Although studies have been conducted on the effects of working with computers, there is little research on some of the recently developed alternative methods of inputting information and their effects on health.
"We need to find out the hidden health costs, if any, of the new and emerging range of computer input devices. Early warning of any potential problems could be a major health benefit for millions of UK office workers," said Valerie Woods, Research Fellow at the Robens Centre for Health Ergonomics at the University of Surrey.
The new study will focus on the types of equipment used, their applications, the length and patterns of their use, the short and long-term effects on working posture and the extent of musculoskeletal pain, discomfort and disorders.
The two-year study will comprise:
PUBLIC ENQUIRIES: Call HSE's InfoLine, tel: 0541 545500, or write to:
HSE Information Centre, Broad Lane, Sheffield, S3 7HQ.
March 9th to the 11th March 1999 Credit 1999 The Novotel, Hammersmith, London W6 Free Conferences and Workshops Free Exhibition Top Industry Speakers 17 - 19 November 1999 Wednesday to Friday International Credit Exhibition & Conference Raffles City Convention Centre The Westin Stamford, Singapore http://www.internationalcredit99.com E-mailinfo@internationalcredit99.com
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