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&lt;br /&gt; AMI yearbook 2011 / 2012 &#129; www.a-m-i.org.uk&lt;br /&gt; &lt;br /&gt; AMI YEARBOOK 2011 | 1&lt;br /&gt; &lt;br /&gt; AMI YEARBOOK 2011 | 3&lt;br /&gt; &lt;br /&gt; &lt;br /&gt; Contents&lt;br /&gt; &lt;br /&gt; Foreword ..........................................................................................................................5&lt;br /&gt; &lt;br /&gt; Meet Stephen Gay - Director General .........................................................................6&lt;br /&gt; &lt;br /&gt; AMI: Your membership &ndash; The benefits.........................................................................8&lt;br /&gt; &lt;br /&gt; The staff ............................................................................................................................9&lt;br /&gt; &lt;br /&gt; How did we end up here - the economic perspective? .........................................10&lt;br /&gt; &lt;br /&gt; Marketing: Simplicity is key .....<a title="AMI Yearbook page 1" href="http://viewer.zmags.com/publication/b119d4eb?page=1">AMI yearbook 2011 / 2012 &#129; www.a-m-i.org.uk</a> AMI yearbook 2011 / 2012 &#129; www.a-m-i.org.uk<a title="AMI Yearbook page 2" href="http://viewer.zmags.com/publication/b119d4eb?page=2"></a> <a title="AMI Yearbook page 3" href="http://viewer.zmags.com/publication/b119d4eb?page=3">AMI YEARBOOK 2011 | 1</a> AMI YEARBOOK 2011 | 1<a title="AMI Yearbook page 4" href="http://viewer.zmags.com/publication/b119d4eb?page=4"></a> <a title="AMI Yearbook page 5" href="http://viewer.zmags.com/publication/b119d4eb?page=5">AMI YEARBOOK 2011 | 3ContentsForeword ......</a> AMI YEARBOOK 2011 | 3ContentsForeword ......<a title="AMI Yearbook page 6" href="http://viewer.zmags.com/publication/b119d4eb?page=6"></a> <a title="AMI Yearbook page 7" href="http://viewer.zmags.com/publication/b119d4eb?page=7">AMI YEARBOOK 2011 | 5Foreword</a> AMI YEARBOOK 2011 | 5Foreword<a title="AMI Yearbook page 8" href="http://viewer.zmags.com/publication/b119d4eb?page=8">6 | AMI YEARBOOK 2011MeetStephen Gay -Direct</a> 6 | AMI YEARBOOK 2011MeetStephen Gay -Direct<a title="AMI Yearbook page 9" href="http://viewer.zmags.com/publication/b119d4eb?page=9">7. What do you think will be the key 1</a> 7. What do you think will be the key 1<a title="AMI Yearbook page 10" href="http://viewer.zmags.com/publication/b119d4eb?page=10">8 | AMI YEARBOOK 2011AMI: Your membership </a> 8 | AMI YEARBOOK 2011AMI: Your membership <a title="AMI Yearbook page 11" href="http://viewer.zmags.com/publication/b119d4eb?page=11">AMI YEARBOOK 2011 | 9AMI Staff</a> AMI YEARBOOK 2011 | 9AMI Staff<a title="AMI Yearbook page 12" href="http://viewer.zmags.com/publication/b119d4eb?page=12">10 | AMI YEARBOOK 2011It may not have </a> 10 | AMI YEARBOOK 2011It may not have <a title="AMI Yearbook page 13" href="http://viewer.zmags.com/publication/b119d4eb?page=13">AMI YEARBOOK 2011 | 11&ldquo; The government</a> AMI YEARBOOK 2011 | 11&ldquo; The government<a title="AMI Yearbook page 14" href="http://viewer.zmags.com/publication/b119d4eb?page=14">12 | AMI YEARBOOK 2011Marketing:Simplicity is </a> 12 | AMI YEARBOOK 2011Marketing:Simplicity is <a title="AMI Yearbook page 15" href="http://viewer.zmags.com/publication/b119d4eb?page=15">such as the racecars we see often &ndash;or with a pre</a> such as the racecars we see often &ndash;or with a pre<a title="AMI Yearbook page 16" href="http://viewer.zmags.com/publication/b119d4eb?page=16">14 | AMI YEARBOOK 2011Mortgage technology </a> 14 | AMI YEARBOOK 2011Mortgage technology <a title="AMI Yearbook page 17" href="http://viewer.zmags.com/publication/b119d4eb?page=17">AMI YEARBOOK 2011 | 15</a> AMI YEARBOOK 2011 | 15<a title="AMI Yearbook page 18" href="http://viewer.zmags.com/publication/b119d4eb?page=18"></a> <a title="AMI Yearbook page 19" href="http://viewer.zmags.com/publication/b119d4eb?page=19">AMI YEARBOOK 2011 | 17An estate agents view of</a> AMI YEARBOOK 2011 | 17An estate agents view of<a title="AMI Yearbook page 20" href="http://viewer.zmags.com/publication/b119d4eb?page=20"></a> <a title="AMI Yearbook page 21" href="http://viewer.zmags.com/publication/b119d4eb?page=21">AMI YEARBOOK 2011 | 19 Marketing On</a> AMI YEARBOOK 2011 | 19 Marketing On<a title="AMI Yearbook page 22" href="http://viewer.zmags.com/publication/b119d4eb?page=22">20 | AMI YEARBOOK 2011It seems that the brav</a> 20 | AMI YEARBOOK 2011It seems that the brav<a title="AMI Yearbook page 23" href="http://viewer.zmags.com/publication/b119d4eb?page=23">AMI YEARBOOK 2011 | 21</a> AMI YEARBOOK 2011 | 21<a title="AMI Yearbook page 24" href="http://viewer.zmags.com/publication/b119d4eb?page=24">22 | AMI YEARBOOK 2011</a> 22 | AMI YEARBOOK 2011<a title="AMI Yearbook page 25" href="http://viewer.zmags.com/publication/b119d4eb?page=25">AMI YEARBOOK 2011 | 232010The year of the pr</a> AMI YEARBOOK 2011 | 232010The year of the pr<a title="AMI Yearbook page 26" href="http://viewer.zmags.com/publication/b119d4eb?page=26">24 | AMI YEARBOOK 2011Se</a> 24 | AMI YEARBOOK 2011Se<a title="AMI Yearbook page 27" href="http://viewer.zmags.com/publication/b119d4eb?page=27">AMI YEARBOOK 2011 | 25same and write down depr</a> AMI YEARBOOK 2011 | 25same and write down depr<a title="AMI Yearbook page 28" href="http://viewer.zmags.com/publication/b119d4eb?page=28">26 | AMI YEARBOOK 2011Th</a> 26 | AMI YEARBOOK 2011Th<a title="AMI Yearbook page 29" href="http://viewer.zmags.com/publication/b119d4eb?page=29">AMI YEARBOOK 2011 | 27The rise of 'vanilla s</a> AMI YEARBOOK 2011 | 27The rise of 'vanilla s<a title="AMI Yearbook page 30" href="http://viewer.zmags.com/publication/b119d4eb?page=30">28 | AMI YEARBOOK 2011Is now the time to t</a> 28 | AMI YEARBOOK 2011Is now the time to t<a title="AMI Yearbook page 31" href="http://viewer.zmags.com/publication/b119d4eb?page=31">AMI YEARBOOK 2011 | 29Buy-to-let marketprospec</a> AMI YEARBOOK 2011 | 29Buy-to-let marketprospec<a title="AMI Yearbook page 32" href="http://viewer.zmags.com/publication/b119d4eb?page=32">Wher30 | AMI YEARBOOK 2011 the mPr</a> Wher30 | AMI YEARBOOK 2011 the mPr<a title="AMI Yearbook page 33" href="http://viewer.zmags.com/publication/b119d4eb?page=33">e is </a> e is <a title="AMI Yearbook page 34" href="http://viewer.zmags.com/publication/b119d4eb?page=34">32 | AMI YEARBOOK 2011The beginning of 2011 </a> 32 | AMI YEARBOOK 2011The beginning of 2011 <a title="AMI Yearbook page 35" href="http://viewer.zmags.com/publication/b119d4eb?page=35">AMI YEARBOOK 2011 | 33</a> AMI YEARBOOK 2011 | 33<a title="AMI Yearbook page 36" href="http://viewer.zmags.com/publication/b119d4eb?page=36">34 | AMI YEARBOOK 2011Following the beginnin</a> 34 | AMI YEARBOOK 2011Following the beginnin<a title="AMI Yearbook page 37" href="http://viewer.zmags.com/publication/b119d4eb?page=37">AMI YEARBOOK 2011 | 35An interview withPlatfor</a> AMI YEARBOOK 2011 | 35An interview withPlatfor<a title="AMI Yearbook page 38" href="http://viewer.zmags.com/publication/b119d4eb?page=38">36 | AMI YEARBOOK 2011Should brokers be chargin</a> 36 | AMI YEARBOOK 2011Should brokers be chargin<a title="AMI Yearbook page 39" href="http://viewer.zmags.com/publication/b119d4eb?page=39"> &ldquo;What is your biggest opportunity in</a> &ldquo;What is your biggest opportunity in<a title="AMI Yearbook page 40" href="http://viewer.zmags.com/publication/b119d4eb?page=40">38 | AMI YEARBOOK 2011The growth and chang</a> 38 | AMI YEARBOOK 2011The growth and chang<a title="AMI Yearbook page 41" href="http://viewer.zmags.com/publication/b119d4eb?page=41">AMI YEARBOOK 2011 | 39Mortgage fraud &ndash;yest</a> AMI YEARBOOK 2011 | 39Mortgage fraud &ndash;yest<a title="AMI Yearbook page 42" href="http://viewer.zmags.com/publication/b119d4eb?page=42">40 | AMI YEARBOOK 2011Conveyancingand an</a> 40 | AMI YEARBOOK 2011Conveyancingand an<a title="AMI Yearbook page 43" href="http://viewer.zmags.com/publication/b119d4eb?page=43"></a> <a title="AMI Yearbook page 44" href="http://viewer.zmags.com/publication/b119d4eb?page=44">42 | AMI YEARBOOK 2011&ldquo; Effective </a> 42 | AMI YEARBOOK 2011&ldquo; Effective <a title="AMI Yearbook page 45" href="http://viewer.zmags.com/publication/b119d4eb?page=45">&ldquo;The purpose of taking a risk-based approach to </a> &ldquo;The purpose of taking a risk-based approach to <a title="AMI Yearbook page 46" href="http://viewer.zmags.com/publication/b119d4eb?page=46">44 | AMI 2011MMR:The impact on training </a> 44 | AMI 2011MMR:The impact on training <a title="AMI Yearbook page 47" href="http://viewer.zmags.com/publication/b119d4eb?page=47">interpersonal skills to ask the consumer somecha</a> interpersonal skills to ask the consumer somecha<a title="AMI Yearbook page 48" href="http://viewer.zmags.com/publication/b119d4eb?page=48">46 | AMI YEARBOOK 2011A practical guide to</a> 46 | AMI YEARBOOK 2011A practical guide to<a title="AMI Yearbook page 49" href="http://viewer.zmags.com/publication/b119d4eb?page=49">AMI YEARBOOK 2011 | 47Your questions to </a> AMI YEARBOOK 2011 | 47Your questions to <a title="AMI Yearbook page 50" href="http://viewer.zmags.com/publication/b119d4eb?page=50">48 | AMI YEARBOOK 2011Directly Authorised (DA) o</a> 48 | AMI YEARBOOK 2011Directly Authorised (DA) o<a title="AMI Yearbook page 51" href="http://viewer.zmags.com/publication/b119d4eb?page=51">What makes the networkproposition compelling?</a> What makes the networkproposition compelling?<a title="AMI Yearbook page 52" href="http://viewer.zmags.com/publication/b119d4eb?page=52">50 | AMI YEARBOOK 2011The value of leadgenerat</a> 50 | AMI YEARBOOK 2011The value of leadgenerat<a title="AMI Yearbook page 53" href="http://viewer.zmags.com/publication/b119d4eb?page=53">AMI YEARBOOK 2011 | 51Life Protection:Why ma</a> AMI YEARBOOK 2011 | 51Life Protection:Why ma<a title="AMI Yearbook page 54" href="http://viewer.zmags.com/publication/b119d4eb?page=54">52 | AMI YEARBOOK 2011Protection:An overview</a> 52 | AMI YEARBOOK 2011Protection:An overview<a title="AMI Yearbook page 55" href="http://viewer.zmags.com/publication/b119d4eb?page=55">AMI YEARBOOK 2011 | 53</a> AMI YEARBOOK 2011 | 53<a title="AMI Yearbook page 56" href="http://viewer.zmags.com/publication/b119d4eb?page=56">54 | AMI YEARBOOK 2011As a mortgage adviser,</a> 54 | AMI YEARBOOK 2011As a mortgage adviser,<a title="AMI Yearbook page 57" href="http://viewer.zmags.com/publication/b119d4eb?page=57">AMI YEARBOOK 2011 | 55</a> AMI YEARBOOK 2011 | 55<a title="AMI Yearbook page 58" href="http://viewer.zmags.com/publication/b119d4eb?page=58"></a> <a title="AMI Yearbook page 59" href="http://viewer.zmags.com/publication/b119d4eb?page=59">AMI YEARBOOK 2011 | 57Ridingthe cycle:Profes</a> AMI YEARBOOK 2011 | 57Ridingthe cycle:Profes<a title="AMI Yearbook page 60" href="http://viewer.zmags.com/publication/b119d4eb?page=60">58 | AMI YEARBOOK 2011&middot; Premium volatility i</a> 58 | AMI YEARBOOK 2011&middot; Premium volatility i<a title="AMI Yearbook page 61" href="http://viewer.zmags.com/publication/b119d4eb?page=61"></a> <a title="AMI Yearbook page 62" href="http://viewer.zmags.com/publication/b119d4eb?page=62">60 | AMI YEARBOOK 2011CSR: Giving somethin</a> 60 | AMI YEARBOOK 2011CSR: Giving somethin<a title="AMI Yearbook page 63" href="http://viewer.zmags.com/publication/b119d4eb?page=63">AMI YEARBOOK 2011 | 61Our supporters</a> AMI YEARBOOK 2011 | 61Our supporters<a title="AMI Yearbook page 64" href="http://viewer.zmags.com/publication/b119d4eb?page=64">62 | AMI YEARBOOK 2011Business Services</a> 62 | AMI YEARBOOK 2011Business Services<a title="AMI Yearbook page 65" href="http://viewer.zmags.com/publication/b119d4eb?page=65">Equity ReleaseJust Retirement LtdVale House, R</a> Equity ReleaseJust Retirement LtdVale House, R<a title="AMI Yearbook page 66" href="http://viewer.zmags.com/publication/b119d4eb?page=66">64 | AMI YEARBOOK 2011Mortgage ProtectionB</a> 64 | AMI YEARBOOK 2011Mortgage ProtectionB<a title="AMI Yearbook page 67" href="http://viewer.zmags.com/publication/b119d4eb?page=67"></a> <a title="AMI Yearbook page 68" href="http://viewer.zmags.com/publication/b119d4eb?page=68"></a>