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It gives me great pleasure to once again have an opportunity to communicate with you. I always look forward to sharing ideas with IMFO members and non-members through this quarterly journal. What has pre-occupied my mind most while writing this foreword was the 2012 IMFO Conference which is taking place at Emperors Palace, from the 08th to the 10th October. The theme this year is; "The Road to Financial Competence."
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