I find it hard to believe that somebody who was so full of life, energy, and fun is no longer with us.  We always knew when Nick had entered the office with his distinctive booming laugh and he always made every LMA meeting, whether as Chairman or Panel member, lively and interesting.  As has been said many times already, Nick was always so kind, thoughtful, and generous with his time and knowledge and was always one of the first to volunteer for working party activities to assist the growth and development of the market.   He will be greatly missed and my deepest sympathies go to his family and friends.