afs-rep

Authorisations by AKUMIN FINANCIAL PLANNING PTY LIMITED that ended in 2011

268 of the 6,906 authorisations granted by AKUMIN FINANCIAL PLANNING PTY LIMITED ended during 2011 — 3.9% of its record, and 1.6% of everything that ended in Australia that year.

268ended in 2011
3.9%share of AKUMIN FINANCIAL
1.6%share of 2011
147also authorised elsewhere

If you were advised by one of these people on or before their end date, AKUMIN FINANCIAL PLANNING PTY LIMITED is normally the licensee that answers for it. If you were advised afterwards, it is not — look at who authorised them next. Why the dates decide.

All 6,906 authorisations by AKUMIN FINANCIAL PLANNING PTY LIMITED · Everything that ended in 2011

The 268 that ended in 2011

AKUMIN FINANCIAL PLANNING PTY LIMITED, ended 2011, alphabetical
RepresentativeNumberFromToStatus
7273 INVESTMENTS PTY LTD00027507923/04/200413/05/2011Ceased
ABRAHAM, GLENDA00030934331/08/201021/12/2011Ceased
ACQUIRE WEALTH MANAGEMENT PTY LTD00040754501/07/201101/07/2011Ceased
AITKEN, ANNE MARGARET00028974016/06/200507/02/2011Ceased
ALEXANDER, ELENA00040102701/03/201130/12/2011Ceased
ALGAR, HEATHER00024826801/01/200420/12/2011Ceased
ANTHONY, SANDRA00034327714/09/201023/09/2011Ceased
APTEN PTY LTD00024809801/01/200413/05/2011Ceased
ARCHER, IAN BRENDAN00038013127/08/201006/04/2011Ceased
ASG WEALTH WISE PTY LIMITED00030736708/11/200631/03/2011Ceased
ASTUTE INVESTMENTS & FINANCIAL PLANNING PTY LTD00033846323/06/200912/08/2011Ceased
ATLAS, RODY00031778223/09/201002/12/2011Ceased
AUBREY & ASSOCIATES PTY. LTD.00024801901/01/200411/11/2011Ceased
AUBREY, DAVID J00024866201/01/200411/11/2011Ceased
AURIWAY PTY. LIMITED00040102801/03/201130/12/2011Ceased
AUSTIN, DANIELLE LEE00029869222/10/201011/11/2011Ceased
AUSTRALIAN BUSINESS FINANCE PTY LTD00033789001/06/200908/08/2011Ceased
AUSTRALIAN NATIONAL FINANCIAL GROUP PTY LTD00033527102/12/201004/01/2011Ceased
BALL, RAELENE LUCY00029517501/11/200502/06/2011Ceased
BALNAVES, DONALD NEIL00028782229/04/200505/09/2011Ceased
BARCLAY, BELINDA FRANCES00034046928/08/200902/02/2011Ceased
BARNES, CRAIG00039856708/02/201127/07/2011Ceased
BATES, CHRISTOPHER00040536527/05/201122/12/2011Ceased
BELL, STEVEN RODNEY00024843501/01/200410/08/2011Ceased
BELLINO, STEFANIE00034377030/12/200918/07/2011Ceased
BEYOND MONEY PTY. LTD.00041096001/09/201126/09/2011Ceased
BIGELOW, CRAIG00028501516/02/200528/09/2011Ceased
BLUEPRINT DEBT SOLUTIONS PTY LTD00029825716/02/200613/05/2011Ceased
BOLOGNA, ROBERT00032582921/05/200828/12/2011Ceased
BORDER FINANCIAL SERVICES PTY LIMITED00025301801/01/200413/05/2011Ceased
BOWDEN, COLIN DALE00024826901/01/200428/12/2011Ceased
BOYTON, BRUCE JOHN00030165409/12/200923/05/2011Ceased
BRADY, DANNY SHAYNE LEYLAND00024957822/02/200802/02/2011Ceased
BRENNAN, CRAIG NELSON00025232514/12/200917/02/2011Ceased
BRITTON, MARK WILLIAM00024830301/01/200407/06/2011Ceased
BROSNAN, MELVYN EDWARD00024816901/01/200421/12/2011Ceased
BROWN, ROBERT WAYNE00024963401/01/200431/12/2011Ceased
BRUCE BRITTON PTY. LTD.00024839601/01/200405/08/2011Ceased
BUNTON, JEFFREY ALBERT00024935701/01/200407/07/2011Ceased
BYRNES, JOHN00040551331/05/201125/08/2011Ceased
CAMERON, CRAIG ANDREW00024970001/01/200410/03/2011Ceased
CARLSON, DARREN PETER00028388916/01/200506/05/2011Ceased
CARLSON, DAVID ALEXANDER00024804501/01/200406/09/2011Ceased
CARTWRIGHT, RODNEY ALLAN00034368822/12/200926/04/2011Ceased
CASEY, ADAM00039856503/02/201109/08/2011Ceased
CASSIN, PAUL EDWARD00027080122/04/201014/10/2011Ceased
CHAN, ADY CHING00029517901/11/200521/06/2011Ceased
CHAPMAN, ROHAN00039287414/12/201028/09/2011Ceased
CHAU, WAI MING00038639828/10/201028/07/2011Ceased
CHEN, JEFF CHIEN-FU00040153709/03/201114/10/2011Ceased
CHENG, LIANG CHRISTOPHER00034552810/03/201027/09/2011Ceased
CHENG, PETA00025192816/12/200728/07/2011Ceased
CHRISTINA MULLIGAN FINANCIAL PLANNING SERVICES PTY LTD00024831801/01/200424/05/2011Ceased
COCKRAM, ALAN JAMES00024955001/01/200405/08/2011Ceased
COE, MIRELLA00038359423/09/201029/07/2011Ceased
COLE, LANCE HARVEY00024925201/01/200426/09/2011Ceased
COMPLETE FINANCIAL PLANNING SERVICES PTY. LTD.00024917601/01/200430/11/2011Ceased
COUTINHO, TREVOR00032274202/12/201004/01/2011Ceased
CUDICIO, MORENO00033841909/02/201024/05/2011Ceased
D'COSTA, CHRISTOPHER JOHN00033385716/10/200922/08/2011Ceased
DARREN CARLSON PTY LTD00029766730/01/200606/05/2011Ceased
DAVIDSON, DIANN MAREE00032056710/12/200717/11/2011Ceased
DAVIOT, DAMIEN00039278614/12/201005/09/2011Ceased
DENG, FAI MATTHEW00036108416/06/201028/07/2011Ceased
DJACHENKO, VLADIMER00032294221/05/201004/11/2011Ceased
DRAEGER, BRONWYN00038013427/08/201028/02/2011Ceased
DYSKA, STEFANIE MARIE00034042227/08/200902/06/2011Ceased
ENGLISH, TIMOTHY ROBERT00024854701/01/200417/03/2011Ceased
EUN, JAMES00034565012/03/201007/07/2011Ceased
FALZARANO, TONINO00038055030/08/201008/04/2011Ceased
FAMILY MONEY PTY LTD00033990327/08/201005/01/2011Ceased
FELBEL, DAVID00040754401/07/201101/07/2011Ceased
FINANCIAL INDEPENDENCE PLANNERS PTY LTD00024900601/01/200429/12/2011Ceased
FINWEALTH PTY LTD00034280619/11/200925/01/2011Ceased
FISHER, SHANE BRUCE00041095901/09/201126/09/2011Ceased
FLORENCE, PAUL00024079509/12/201026/07/2011Ceased
FRANK LAWRENCE PTY LTD00024960101/01/200403/05/2011Ceased
FRANKE, TERENCE MALCOLM00033788901/06/200908/08/2011Ceased
FREEMAN, NEIL STEWART00024835501/01/200423/08/2011Ceased
G.R. FEWSON PTY LTD00024952501/01/200418/04/2011Ceased
GAGHAN, NEIL00040384721/04/201121/04/2011Ceased
GAO, YUAN TONY00036231921/06/201015/11/2011Ceased
GARDINER, PAUL00029314011/05/201110/10/2011Ceased
GENERATION BEYOND PTY LTD00024810701/01/200424/03/2011Ceased
GEORGE, DANIEL00034347015/12/200919/07/2011Ceased
GEORGE, HARRIE F00024793201/01/200425/02/2011Ceased
GIBBS, ROBERT LESLIE00024916601/01/200431/03/2011Ceased
GLOBAL PROGRESS FINANCIAL SERVICES PTY LTD00040913929/07/201131/12/2011Ceased
GOH, JASON00039782024/01/201126/09/2011Ceased
GOODHAND, ANDREW BRIAN00029092214/12/201012/05/2011Ceased
GOODHEW, JEVAN ADRIAN00033172516/07/201007/03/2011Ceased
GORBUNOVA, ALLA00030579616/09/200624/11/2011Ceased
GOVENDER, NEELAMAGAN00034324507/12/200920/01/2011Ceased
GOWERS, ANDREW DAVID WINSTON00034573617/03/201015/02/2011Ceased
GR & KA PTY LTD00040307711/04/201111/04/2011Ceased
GRACE WEALTH MANAGEMENT PTY. LTD.00033443812/02/200914/04/2011Ceased
GRACE, MARTIN00039272113/12/201006/06/2011Ceased
GRAY, CHRISTOPHER00029043201/07/200506/07/2011Ceased
GREEN, MATT ALAN00039569931/12/201002/06/2011Ceased
GREENHAM, ANTHONY IAN00030390406/08/200925/08/2011Ceased
GREGORY J. BROWN PTY. LTD.00024829801/01/200430/09/2011Ceased
GROBBELAAR, HENRIETHA AMANDA00034073819/11/200925/01/2011Ceased
GRUSD, DANIEL00034185015/10/200909/05/2011Ceased
GUPTA, SATISH00032400501/04/200812/07/2011Ceased
GURD, PETER WILLIAM00024860301/01/200405/10/2011Ceased
HADDON, NICHOLAS ASHLEY00031712930/08/200709/11/2011Ceased
HADFIELD, STEVEN ROBERT00032787827/08/201005/01/2011Ceased
HENDERSON, JAIME00032855207/12/201017/05/2011Ceased
HENDERSON, JAIME LINDA00039150607/12/201017/05/2011Ceased
HENRY, BRENTON00040908129/07/201114/11/2011Ceased
HIEATT, WARNER WOODROW00024942001/01/200412/09/2011Ceased
HING, TONY00024951101/01/200401/12/2011Ceased
HO, HING00031778120/09/200720/07/2011Ceased
HUANG, PAUL00040441509/05/201105/09/2011Ceased
HUDSON, STUART LESLIE00033163929/10/200801/04/2011Ceased
HUME VALLEY FINANCIAL SERVICES PTY LTD00026521726/02/200425/02/2011Ceased
HYBRID ENTERPRISES (NSW) PTY LTD00034327814/09/201023/09/2011Ceased
IAN HUTCHISON & ASSOCIATES PTY. LTD.00024893101/01/200421/11/2011Ceased
INTERRIGI, JOSEPH JOHN00033730111/05/200926/09/2011Ceased
IRVINE, ELIZABETH00032669118/04/201130/08/2011Ceased
JAMES, SIMON00034358616/12/201119/12/2011Ceased
JAMES, SIMON DAVID00041549316/12/201116/12/2011Ceased
JAMES, STEPHEN00024902501/01/200424/03/2011Ceased
JOHNSON, MALCOLM NIGEL00027821528/06/200716/02/2011Ceased
JOHNSON, TERENCE JAMES00024887801/01/200430/12/2011Ceased
KALEIDOSCOPE FINANCIAL SERVICES PTY LTD00030618401/10/200613/05/2011Ceased
KALUCY, MARK PHILIP00022968113/12/201018/04/2011Ceased
KANG, WAN SOON00031444905/08/201024/11/2011Ceased
KANNAN, VINITHA00034570016/03/201024/11/2011Ceased
KELLY, STEPHEN DARREN00039416021/12/201004/04/2011Ceased
KENNEDY, STEPHEN JAMES00029830616/02/200604/02/2011Ceased
KEVIN MCLEAN PTY. LTD.00024814701/01/200420/06/2011Ceased
KEY FINANCIAL SOLUTIONS PTY LTD00024875901/01/200408/03/2011Ceased
KHAN, MUSHTAQUR00033420201/03/201116/05/2011Ceased
KHANH NGUYEN FINANCIAL PLANNING PTY. LTD.00032329101/03/200813/05/2011Ceased
KIGODI, ISAAC00032573630/09/201027/10/2011Ceased
KINDERMAN, JASON00032967609/09/200818/05/2011Ceased
KING, DARRYL FRANCIS00024840401/01/200408/11/2011Ceased
KLAASSEN, NOEL00024928901/01/200408/03/2011Ceased
KLASON, JAMIE ANTHONY00033832018/06/200917/02/2011Ceased
KLUKOWSKI, JACEK00034337009/12/200927/07/2011Ceased
KRAWC, JANEK00036091629/07/201131/12/2011Ceased
LATITUDE WEALTH MANAGEMENT PTY LTD00033400730/01/200914/01/2011Ceased
LAUW, LIONG00029880003/03/200631/03/2011Ceased
LAWRENCE, FRANK JOHN00024939901/01/200423/02/2011Ceased
LE, TRIET TAN00038411929/09/201004/10/2011Ceased
LIEW, ROBERT00024877101/01/200411/07/2011Ceased
LION MONEY PTY LTD00040384621/04/201121/04/2011Ceased
LIU, JOE00033288511/12/200814/06/2011Ceased
LO CASTRO, PHILLIP ANTHONY00031463321/06/200720/09/2011Ceased
LORD, CHRISTOPHER GRAHAM00024856701/01/200411/02/2011Ceased
MALLIARAS, ANTHONY00040724028/06/201118/07/2011Ceased
MARK DANIELS FINANCIAL SERVICES PTY LTD00035511914/05/201003/03/2011Ceased
MARTIN, CHRISTOPHER JAMES00025091501/01/200424/02/2011Ceased
MASUD, MAHI00031720913/08/201015/08/2011Ceased
MCANINLY FINANCIAL CONSULTANTS PTY LTD00024838201/01/200423/12/2011Ceased
MCANINLY, PAUL JAMES00024838101/01/200423/12/2011Ceased
MCBEAN, PHILIP DALE00024847201/01/200409/08/2011Ceased
MCDONALD, LAURENCE W00024918207/04/201006/05/2011Ceased
MCINNES, ANGELIQUE00034095311/09/200930/06/2011Ceased
MCINTOSH, MATTHEW00031254023/04/200721/07/2011Ceased
MCKEVETT, CHERYL00024318627/08/201010/08/2011Ceased
MCLEAN, KEVIN M00024814601/01/200420/06/2011Ceased
MCM WEALTH MANAGEMENT PTY LTD00039622212/01/201112/12/2011Ceased
MEDOJEVIC, DANILO00041477208/12/201109/12/2011Ceased
MEEHAN, MATTHEW PETER00036408930/06/201030/06/2011Ceased
MELVIN, GREGORY CRAIG00024828122/12/200903/08/2011Ceased
MILLINGTON, FRANK00024957201/01/200424/10/2011Ceased
MODGIL, VIKAS00031575223/06/200922/06/2011Ceased
MOELANDS, REBECCA JANE00031606808/06/201006/10/2011Ceased
MOLIN, RUSSEL00034033827/07/201017/02/2011Ceased
MOLLICA, CARA00040277604/04/201118/11/2011Ceased
MONTGOMERY, JANET CLAIRE00034347615/12/200921/09/2011Ceased
MORALES, ELIAS00039622112/01/201105/12/2011Ceased
MUIR, STEVEN JAMES00024971201/01/200426/09/2011Ceased
MURRAY, KAY ELIZABETH00034603308/03/201126/07/2011Ceased
MZWEALTH PTY LTD00041328501/11/201103/11/2011Ceased
NAGARAJAH, VELUPPILLAI00040230028/03/201104/10/2011Ceased
NANSON, JACINTA00038274614/09/201029/12/2011Ceased
NAZ TOTA PTY. LTD.00024851201/01/200411/07/2011Ceased
NEEDS, GEOFFREY00040307611/04/201111/04/2011Ceased
NEIL FREEMAN PTY. LTD.00024806301/01/200423/08/2011Ceased
NGHIEM, NINA00024791601/01/200421/06/2011Ceased
NICHOLLS, GREGORY S00024859101/01/200405/08/2011Ceased
NIEKRASZ, THERESA TANYA00038620026/10/201004/08/2011Ceased
NOVAK, MICHAEL DANIEL00032082419/12/200731/03/2011Ceased
OBRIEN, MICHAEL PAUL00024911401/01/200407/03/2011Ceased
OBRIEN, MICHAEL PAUL00024911407/03/201131/03/2011Ceased
ONE LIFE WEALTH MANAGEMENT PTY LTD00034185115/10/200909/05/2011Ceased
ONG, PIERRE00024859301/01/200423/06/2011Ceased
OVERINGTON, TIMOTHY00023135530/06/201112/07/2011Ceased
OWEN, NIGEL IVOR00023652001/06/200901/09/2011Ceased
P.G. FINANCIAL SERVICES PTY. LTD.00024841201/01/200405/10/2011Ceased
PAN, CHARLES MALCOLM00038619816/12/201017/05/2011Ceased
PATTERSON, GAVIN00033288211/12/200819/09/2011Ceased
PERIC, TONY00024962101/01/200413/01/2011Ceased
PERRY O'BRIEN FINANCIAL SERVICES PTY LTD00024819401/01/200407/03/2011Ceased
PERRY O'BRIEN FINANCIAL SERVICES PTY LTD00024819431/03/201131/03/2011Ceased
PIERRE ONG WEALTH CREATORS PTY LTD00024894001/01/200423/06/2011Ceased
PILGRIM, PHILIP FRANCIS00024884014/12/201028/12/2011Ceased
PORTER, DAVID LEWIS00024255201/06/200404/01/2011Ceased
PRASAD, RAGHWA NAND00028029816/09/200431/03/2011Ceased
PRASAD, RASHNYL00034130516/10/200920/06/2011Ceased
PROTEKTOR FINANCIAL SOLUTIONS PTY LTD00034324607/12/200920/01/2011Ceased
PRYCE & ASSOCIATES PTY. LTD.00030172931/05/200613/05/2011Ceased
PURSEHOUSE, AMY00040922401/08/201101/08/2011Ceased
RAHMAN, FAISAL00038012927/08/201027/04/2011Ceased
RAJ PRASAD & CO PTY LTD00028029916/09/200417/06/2011Ceased
RAMSAHOK, BALMICKSINGH00041142116/09/201126/09/2011Ceased
REID, JAMES CARLTON00034347419/11/201025/01/2011Ceased
RGA FINANCIAL GROUP PTY. LTD.00024861001/01/200431/03/2011Ceased
ROBERT LIEW & ASSOCIATES PTY. LTD.00024929501/01/200411/07/2011Ceased
ROMANO, ROQUE00040529126/05/201104/08/2011Ceased
ROSSITER, MARK LESLIE00024953401/01/200426/09/2011Ceased
RYDER, PHILIP00027382201/04/200411/03/2011Ceased
S.G. & D.L. SHAW & ASSOCIATES PTY LTD00024872401/01/200430/12/2011Ceased
SACKETT, HELEN00033668323/04/200907/02/2011Ceased
SAMUEL, JAY GRAEME00039031130/11/201029/06/2011Ceased
SARGENT, JULENE RENAE00033668523/04/200907/02/2011Ceased
SCHACHE, STEWART00039785425/01/201126/09/2011Ceased
SCULPTURE FINANCIAL ADVICE PTY LTD00034095411/09/200930/06/2011Ceased
SHAW, STEPHEN G00024872301/01/200430/12/2011Ceased
SHER, ALAN JOSEPH00024906524/12/201014/01/2011Ceased
SIMPSON, MARNI ALANA00032396001/04/200803/06/2011Ceased
SMITH, MICHAEL FRANCIS00029742008/02/201007/03/2011Ceased
SMITH, RICHARD00032726818/05/201119/12/2011Ceased
STAMATAKIS, JOHN SEAN00033493827/02/200920/10/2011Ceased
STEPHENS, SUSAN JOY00032975411/09/200810/08/2011Ceased
STEVAC PTY LTD00033170529/10/200801/04/2011Ceased
STEWART, ALAN EDWARD00024860901/01/200408/06/2011Ceased
STICHTER, DONALD00037823416/08/201024/02/2011Ceased
STREBOR SOLUTIONS PTY LTD00040101901/03/201116/05/2011Ceased
SURJAN, KAREN00035197127/04/201002/06/2011Ceased
SYDOROVICH, MICHAEL ALEXI00028727904/12/200706/06/2011Ceased
T.J. JOHNSON FINANCIAL SERVICES PTY. LTD.00024887701/01/200430/12/2011Ceased
TANGRI, SANGEETA00040520825/05/201118/10/2011Ceased
TAYLOR, ROBERT00040557201/06/201102/06/2011Ceased
TEO, RICHARD00041139915/09/201110/11/2011Ceased
TESTA, GIUSEPPE00024800901/01/200401/04/2011Ceased
THOMPSON, BEN ADAM WILLIAM00034368322/12/200907/02/2011Ceased
THOMPSON, JON00031263901/07/201128/10/2011Ceased
THURLING'S FINANCIAL SERVICES PTY. LTD.00025380201/01/200403/10/2011Ceased
TIDESWELL, JACK STANLEY00032283304/03/200809/08/2011Ceased
TURNER, RYAN00039475723/12/201030/06/2011Ceased
TZAKIS, HELEN00035218428/04/201004/07/2011Ceased
VAN DEN BRINK, LORRAINE00033308016/12/200825/07/2011Ceased
VAN ZYL, DEAN ANDREW00033047630/09/200810/06/2011Ceased
VISION PKM PTY LTD00030869416/12/200628/12/2011Ceased
WAISAVU, BENJAMIN00034059101/09/200911/07/2011Ceased
WANDERSMITH, LEO JOSEPH00024899101/01/200430/12/2011Ceased
WARD, SHANNON LISA00024882001/01/200421/12/2011Ceased
WARNER HIEATT PTY. LIMITED00024941901/01/200412/09/2011Ceased
WAYNE MCAULIFFE & ASSOCIATES PTY LTD00025202901/01/200413/05/2011Ceased
WEALTH ALLIANCE PTY LTD00033308616/12/200825/07/2011Ceased
WESTERHOF, JASON00041142916/09/201119/09/2011Ceased
WESTGARDEN FINANCE PTY LTD00041143116/09/201119/09/2011Ceased
WHITE, CHINTANA00040912329/07/201128/09/2011Ceased
WILBERS, CORNE00034368622/12/200910/11/2011Ceased
WILLIAM D. OLIVER INSURANCE SERVICES PTY. LIMITED00024919901/01/200424/01/2011Ceased
WILLIAMS, MICHAEL JOHN00033993513/08/200904/01/2011Ceased
WINE COUNTRY WEALTH PTY LTD00024862301/01/200413/05/2011Ceased
WOODLEY-PAGE, GEOFFREY MICHAEL00038599725/10/201005/04/2011Ceased
Whiteford, Christopher James00032776815/07/200825/02/2011Ceased
ZEKANTS, TINA RAYLENE00033400630/01/200914/01/2011Ceased
ZEST FINANCIAL LIFE PTY LTD00031490505/05/201013/01/2011Ceased
ZEST FINANCIAL LIFE PTY LTD00031490513/01/201121/04/2011Ceased
ZEVENBOOM, HENK WILLEM00024889001/01/200407/07/2011Ceased
ZHANG, MING00038474001/11/201103/11/2011Ceased

Where they were authorised next

123 of these 268 were followed by another authorisation elsewhere; 145 were the last on that record.

Authorised next byAuthorisationsShare
AKUMIN FINANCIAL PLANNING PTY LIMITED3730.1%
ARETE RISK & INSURANCE PARTNERS PTY LTD1411.4%
licence 23069264.9%
NTI LIMITED54.1%
SYNCHRON ADVICE PTY LTD43.3%
PROFESSIONAL INVESTMENT SERVICES PTY LTD43.3%
licence 23113832.4%
licence 23918332.4%
licence 23829121.6%
CASHEL FINANCIAL SERVICES PTY LTD21.6%
RESILIUM INSURANCE BROKING PTY LTD21.6%
licence 22598221.6%
licence 23068921.6%
licence 30021921.6%
CHARTER FINANCIAL PLANNING LIMITED21.6%
licence 29723921.6%
HILLROSS FINANCIAL SERVICES LIMITED21.6%
LIONSGATE FINANCIAL GROUP PTY. LTD.21.6%

Other licensees that lost representatives in 2011

AKUMIN FINANCIAL PLANNING PTY LIMITED in other years

Money lost after advice you were given?

268 authorisations are listed on this page. A complaint about an authorised representative normally goes to AFCA against the licensee that authorised them — and there is no fee. Tell us what happened and we will point the enquiry at people who take these cases. We are not lawyers, we take no share of anything recovered, and we make no promise about the outcome.

How we use this.