This is such unbearably sad news for all of us. Nick’s warmth and kindness touched so many lives, reaching out far beyond the Box, where he was the epitome of the Lloyd’s Underwriter: courteous, professional, commercial and always ready to listen, and often to laugh. We cannot forget those wonderful human qualities. We all hope that by remembering Nick in our many and varied affectionate ways, we can give some comfort to each other, and most especially to his family.