Thursday, December 08, 2016

Origin of the name 'Lawford'

This surname is of Anglo-Saxon origin, and is a locational name from any of the various places called Lawford which have as their component elements the Olde English pre 7th Century personal name "Lealla", cognate with the Old High German "Lallo", and the Olde English "ford", a ford. These places include: Lawford in Essex, recorded as "Lalleford", circa 1042 in the Anglo-Saxon Wills Records, and as "Laleforda" in the omesday Book of 1086; Church and Long Lawford in Warwickshire, appearing as "Leileforde, Lilleford" and "Lelleford" in the Domesday Book, and respectively as "Churche", and "Long Lalleford" in the 1235 Charter Rolls of Warwickshire; and Lawford, a locality in the Williton rural district of Somerset. Locational surnames such as this, were originally given to local landowners, and the lord of the manor, and especially as a means of identification to those who left their birthplace to settle elsewhere. On December 2nd 1589, Thomas Lawford and Isabella Holbech were married at Fillongley, Warwickshire. Dr. Richard Lawford, an early settler in the New World, appears on a List of the Inhabitants of St. Michaell's Town, Barbados, in 1680. A Coat of Arms granted to the Lawford family is an azure shield with seven silver crescents, three, three and one. Symbolically, the crescent is associated with Faith and Hope. An arrow point downwards and palm branch in saltire all proper is on the Crest. The first recorded spelling of the family name is shown to be that of John Lawforde, which was dated November 9th 1569, marriage to Elizabeth Carlett, at St. Giles' Cripplegate, London, during the reign of Queen Elizabeth 1, known as "Good Queen Bess", 1558 - 1603.  Internet Surname Database

Read more:  http://www.surnamedb.com/Surname/Lawford#ixzz4SGrv1IiN


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Wednesday, September 21, 2016

My Life in Wine

Koko, a bruschetta and a sauvignon
I've never been much of a drinker and indeed was teetotal until I was about 25 and drank mainly coke.  I never acquired a taste for beer, probably because my father hardly drank it, and didn't like the effects of alcohol - and still don't. But after I was given champagne at Annie Ommanney's wedding and became laughing drunk, I took up drinking wine which I came to love. My friend Charlie Skipwith sent into the wine trade at the end of the 60s and went to study at the Ginestet's at Chateau Margaux and I visited him and became interested in its production. By the 70's I was spending quite bit of time reading about wine and visiting wine regions in France. My bible was a book by Alexis Lichine called 'An Encyclopaedia of Wines and Spirits'. He endeared himself to me by writing: 'How does one drink a Chateau d'Yquem? On one's knees with one's head bared'. Hugh Johnson on Wine was another regular source of information - and my father made me a member of the Wine Society whose catalogues were most informative.

Soulutre in the Macon 1979

In time I started to acquire some serious wines and even kept a cellar book at Harvestgate. Charlie Skipwith gave me a dozen Leoville Las Cases and Nick Duke and I bought a case of Chateau Mouton Rothschild 1970 to share and these and other wines were stored in my father's cellar st Stocks. There were two drawbacks to this. One was that he would go down and help himself to them (and why not?). The other was that the cellar flooded in wet years and many bottles lost their labels (though this also encouraged one to draw their corks to see what they were....)

The first two pages of the cellar book dated December 1979
The first two pages of the cellar book dated December 1979
For a while I also bought wine at Christie's wine sales with another friend, Bruce Harris, but our enthusiasm dimmed somewhat when we paid quite a bit for a 1961 Chateau Tasta which turned out to be undrinkable.

I was lucky to be introduced to Australian and New Zealand wines early on. Once I spent a happy afternoon with a business colleague at Len Evans's wine bar in Sydney drinking Petaluma riesling and on another memorable occasion my brother-in-law, Peter Crittle and I selected three bottles of Grange Hermitage from his extensive cellar, drunk them at a sitting and ended up sleeping face-down on the lawn. In New Zealand, our business was looked after by Ian McKay, a well known local figure who had a share in the Cloudy Bay vineyard that began that country's rise to wine prominence.

In Japan, I soon grew to love sake (more properly a beer rather than a wine) and sought out the finer drier sakes from Niigata (like Hakubai) to go with sashimi and other delicacies. I still love them though find them impossible to get at home, even in good restaurants.

Devil's Lair

I no longer maintain anything like a cellar, but I do buy small quantities of wines that I really like and which are worth opening with friends who appreciate them. Although with the right food it's difficult to beat the mouth-filling properties of Yarra Yering 'Agincourt' (Cabernet Merlot), mostly I prefer to drink lighter wines, preferably Pinot Noir, the best of which I think come from Central Otago - like Mt Difficulty, Neudorf or Felton Road. My favourites whites are Devil's Lair from Margaret River. Far Niente from Napa (both chardonnays) and the exceptional new Spanish whites such as Lapola. All winemaking seems to have undergone a great transformation in recent years and lovely wines at reasonable prices abound, and although one can still find absolutely delicious French wines (such as Gevrey-Chamertin) at a price, I do still have difficulty with many French wines that seem not to meet the taste grade.

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Wednesday, August 31, 2016

Bill Birch Reynardson 1923 - 2017

Bill Birch Reynardson

This post is about Bill Birch Reynardson (1923 - 2017), who was the 'original cause' of my joining Thomas Miller, and in my subsequent 39 year career in the City and was both a mentor and friend.

Bill and my father Patrick were close friends of Colin Balfour and were shooting with him one day in the autumn of 1966.  They got talking and my father mentioned that I was reading law and intended to practice at the bar. 'I wouldn't do that', said Bill. 'I was at the bar for a while; very dull. I'm now with a firm in the City called Thomas Miller. Tell Herry to come and see me.' Needless to say, we made some enquiries (from the likes of John Colgrave) as Thomas Miller was a firm that no one appeared to have heard of, but they revealed the intriguing information that the Millers (Dawson and Cyril) ran something called a shipowners' liability mutual or 'P&I Club' and were highly successful, and the firm was known as one of most prestigious in the world of shipping law and insurance.  And so I came up from university for a few days and was shown (by Terence Coghlin, another important mentor) the files relating to the current legal 'cause celebre', the 'General Guisan' - otherwise known as 'Suisse-Altantique' -  a case involving the issue of fundamental breach -  and another enormous set of files involving an even more important case, the 'Wagon Mound', a Privy Council decision on remoteness of damage, which had been handled by Frank Ledwith. You can imagine how fascinating it was to be suddenly at the heart of such momentous legal decisions, seeing how the relevant partners had handled the cases and guided the shipowners concerned in their appeals - with the Club in these cases paying their legal costs*.

Having joined Thomas Miller in October 1967 I was placed in Frank Ledwith's training room with my colleagues Stephen James, Francis Frost, Christopher Bird and Roger Day, with Nigel Lindrea, who had joined a year earlier, nominally looking after us (but in fact getting mercilessly ragged). Stephen James, who later became chairman of Thomas Miller, recalls that at his interview with Bill, he was asked, in all seriousness, if he had 'private means' - which was perhaps to Bill a reasonable question as the starting salary was 'only' just over £1000 a year, but we thought it was very decent indeed. Bill was a partner then and so soon was Terence Coghlin, and it was with Terence I initially sat, after the two-year training period, and later with Bill. But almost immediately, Bill began to take me on business trips, particularly to Yugoslavia, often accompanied by his wife Nik (and sometimes his daughter Juliet), where met some impressive characters like Dr Hrvoje Kacic and of course I also got to know them well. Later on we visited India, Iran and Iraq, but it was to Yugoslavia we went most often and we also dealt with their shipowners' annual renewal as well as their cases. When travelling with Bill and Nik in 1973, my wife Prue began complaining of the local smells and was unable to eat much. Bill immediately deduced that she was pregnant, a state that was confirmed by a visit to the local hospital.

Bill was a good lawyer and negotiator and was consummate at large international gatherings. He was for many years vice-president of the CMI (Comite Maritime International) from which new international shipping laws emerged. When the Torrey Canyon spilled its cargo of oil on the Scilly Isles in 1967 and it was realised that there was no international regime to determine who paid for the consequences of an accidental oil spill, Bill got together with Lord Devlin in his kitchen and drafted what became the Civil Liability Convention on which most international oil spill compensation law has been based since 1970.

Bill later became senior partner, and I continued to travel with him to places like Japan, where he used to go off to have dinner with his old friend the ambassador, and I made the rounds of the shipowners. In this photo we are at the top of the Palace Hotel giving lunch to a Japanese lawyer and his colleague. The lawyer was a crucial link to the top echelon of the Japanese shipping line NYK and was a good friend as well. The photo includes Terence Coghlin, who was revered in Japan, as well as a young Nigel Carden who looks after our Japanese business now.

Bill knew how to travel in style: we went to the races in Baghdad (Bill in an 'owners' grey flannel suit with brown trilby), and took time out of a visit to Tehran to see Persepolis the year after the Shah's incredible party, coming home via Rome. At the Taj in Bombay, Bill would invite the senior figures in the industry to dinner in his suite. They all came. He made particular friends with the eminent Indian lawyer, S.Venkitsewaran (known to all as 'Venky') who remained a most valuable friend to the firm (and me) thereafter.

Bill presided over the expansion the firm in the 1980s and several new Clubs and businesses were started, including the Bar Mutual which insured the members of the bar in England and Wales against professional negligence. He put me in charge of one that started in 1984 - Transport Intermediaries Mutual (the brainchild of Francis Frost) - and supported me against those who thought I should have stayed in the main P&I business. But TIM was successful and by 1993, having completed a merger with a competing mutual making the combined entity ITIC the largest insurer of such risks in the world, I returned to P&I.

Bill retired in 1992 and was made a CBE. He lived at Adwell House, an ancient pile in Oxfordshire that had been in his family since the late C17th and was once a Civil War prison. There is a good description of the house and the family's history here. He had always been a consumate countryman and sportsman and rode to hounds until late in life (before being nearly killed when his horse fell when out hunting), and was chairman of Garsington Opera for years as well as Les Azuriales Opera. He was very well-connected both in the City and society generally. His lovely 7 acre garden at Adwell was being constantly expanded and is open annually for charity.



Bill always dressed well but was of the school that allowed clothes to be correct for the occasion but never flashy. At one point I had had a suit made that was rather too tight-fitting. On appearing in it for the first time, Bill's laconic comment was simply 'It faut suffrir pour etre belle'.... He was also traditional in his artistic and architectural tastes, and once asked me as we passed the 'new' Lloyd's building whether I liked it. 'Yes, quite', I replied. 'You're a pseud,' he said - but he had the hall at Adwell painted a marvellous bright peach that was much admired.

Bill was one of the most charming men of his generation and was at ease with people from all walks of life and all nationalities**. As with my father, one could say that he was loved and admired as much by women as by men. In later life he wrote a private memoir, 'Letters to Lorna', in which he described his early life (Eton, Oxford, the War - he was wounded in Italy) - back to Oxford) through the letters he had exchanged with a dear friend in Scotland.

He was a marvellous raconteur and had an enormous fund of stories which often involved well-known people. There was however plenty of steel under the velvet glove and he was equally able to steer a large gathering of shipowners as well as the varied characters in his partnership. And despite his rather grand background, he also knew when to save money. When there was a downturn in the shipping market in the mid-80's, he sold the flat in Victoria that went with the job of senior partner, and gave up the firm's butler and chauffeur as well as the weekly seats at Covent Garden. He even decreed that business lunches in the office should be 'dry' - for a while.

Bill with Sir Peter Miller, the chairman of Lloyd's,  at John Shearer's funeral 2010


Bill sadly lost his dear wife Nik in 1997 and lived the last twenty years alone, moving from the big house to the Garden House where he was was looked after by his housekeeper Lorrie. Nik, Juliet, Clare and Tom and their families are pictured here at Adwell in 1995.

In 2014, Bill gave a lunch at his club for those he had recruited to Thomas Miller. He was suffering from pneumonia at the time and was attended by his daughter Clare, but a it most enjoyable reunion for all of us (see photo). After that he still came to the Thomas Miller Carol Service and was at Mark Holford's retirement in 2015, but remained more and more at home at Adwell.

* In both these cases the shipowners were insured by a specific part of the Club only for their legal costs as the principal losses - time, (in the case of the "General Guisan') - can't be insured - and physical damage to the ship itself (in the case of the 'Wagon Mound') is covered by the ship's hull policy). Of course the P&I Club did cover a multitude of types of loss to third parties, from oil spills to death and injury to passengers and crew, to cargo loss and damage, fines and penalties and many more esoteric claims.

** A vignette will put Bill's social life into better context: his father had made friends in the South of France with the Swedish royals and Bill continued the relationship. One day in 1970 he invited me to dinner at Adwell and told me to stay the night and bring my black tie. It was a fascinating evening as the guest list included the King and Queen of Sweden, Princess Margaretha and John Ambler, Lord Carrington and his wife and one of the Swedish princesses, who was my age. I very much enjoyed the evening but have never encountered one quite its equal since.


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Cmdr Colin Balfour, RN, DL 1924 - 2009

Colin and Prue Balfour

Cmdr Colin Balfour, RN, DL, who died on 19th July 2009 after suffering an eight-year illness brought on by a fall, was a most charming and amusing man and, with his wife Prue, one of my parents' closest friends. He was brought up in Oxfordshire and was an early friend of Bill Birch Reynardson's and was with him at Eton. Both of them went to war in 1942, Colin joining the navy and Bill the army, and saw a great deal of action (and Bill was wounded). Colin retired from the navy in 1952 and took up farming on his family's estate at Wintershill and in Scotland, which he loved. He was for many years chairman of the governors of the local school, chairman and treasurer of the Parish Council and a church warden at Durley Church for 24 years. An excellent shot and mathematician, a superb mimic and story-teller and a kind and generous man, he and Prue maintained a wonderful social life in Hampshire and in Scotland. Among my parents' fondest memories (apart from many hilarious dinner parties) were when they visited them in the South of France and the annual cricket matches against the village, played on the pitch at Wintershill.  Prue, the daughter of an admiral who died in 2016 was as charming and gregarious as he was and both enhanced the lives of all those around them.

I have a particular reason to be grateful to Colin and Prue as it was when my father was shooting at Wintershill that he met Bill Birch Reynardson who offered me a job at Thomas Miller where I happily remained for 39 years.
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Sunday, August 28, 2016

General Sir Sydney Lawford 1865 - 1953



General Sir Sydney Turing Barlow Lawford KCB

The General’s Sword

Dear Mr. Lawford,

Firstly, please allow me to introduce myself;

My name is Troy Zwicker. I am a Deputy Sheriff who resides in Nova Scotia, Canada. One of my hobbies is collecting British military swords, which is the reason I am writing to you.

I discovered your blog while conducting research into a Wilkinson sword in my collection. I read your articles on the Lawford connection to the Draper's Guild with fascination, not least because your articles helped confirm in my mind my working theory on the original owner of said sword.

I have enclosed a link to an on-line article that was put together by a very good friend of mine on his blog regarding the sword in question and its connection to a member of the Lawford family.

Might I prevail upon you to peruse the article and share your thoughts with me regarding my deductive reasoning on the purchaser and owner of this fascinating historical artifact?

Here is the link to the article;

In closing Sir, I would like to extend my heartfelt thanks and gratitude to you for your efforts in making available to the world (including amateur historians such as myself!) the fascinating history of your family.

Respectively yours,

Troy Zwicker
Nova Scotia,
Canada

5th August 2016

to which my cousin Jeremy replied: 

I am sure Troy Zwicker’s conclusion is correct, and that this was indeed Sydney’s sword.  And he is right that Sydney’s father had died just a few months before, so it is not unreasonable to assume that a relative might have bought 19 year old Sydney his regimental sword.

However, my first thought was that there are no Lawfords in that period with those initials – indeed, there are few apart from Sydney himself who had as many as three initials,   And Troy Zwicker is absolutely right that Sydney was the only Lawford in the Royal Fusiliers.  Certainly not second cousin Percy (who had no other initials anyway),  nor his father’s cousin George (ditto).

So I looked again at the initials in the Wilkinson ledger, and I think the answer may be quite straightforward.  The first initial could be almost anything, but it is certainly not a ‘P’ and I don’t think it’s a ‘G’ either.  If anything it looks like the sort of terminal small case ‘s’ that I was taught to form at Miss Melsom’s school in Deddington 70+ years ago.  The second letter is, I think, a ‘T’ rather than an ‘S’.  And the third letter, which is unquestionably a ‘V’, was written down in error when Sydney gave his name as S T B Lawford.  Not much difference in sound between B and V, as anyone who has tried learning modern Greek will know!

So the purchaser, in my opinion, was S T B Lawford of the 7th Fusiliers, which was, I believe, the battalion to which he was attached after gaining his commission in the Royal Fusiliers on 5th February i885.  The service record which I attach indicates as much.



Jeremy Lawford
8th August 2016

Monday, July 11, 2016

Life in the City - My first visit to China in 1979

I first visited China in January 1979, when Beijing was cold and shrouded in smog. The Chinese Government had chartered three Greek bulk carriers to load grain in Vancouver the previous summer, but the port was closed by a three-month strike and the ships sat idle.  Under the terms of the charterparties, the charters were responsible for demurrage (the loss caused to the ships by delay) except in the case of 'force majeur'. I had visited Edmonton and Calgary in the early winter with a representative of the owners to establish that there was no event at the point of origin that could be regarded as 'force majeur'. but despite many requests, the Chinese wouldn't pay. The amount at stake was about $1.5m. So I was asked to travel to Beijing and try and obtain payment.

'You'd better go and hire the 'Orson Wells', said my senior partner, Sidney Fowler - 'and take Prue as well as it'll be pretty bleak and you'll need some company'. The 'Orson Wells' that Sidney Fowler had himself hired on previous winter trips - usually with Terence Coghlin - to secure the Chinese fleet as members of the P&I Club,  turned out to be an enormous fur-lined overcoat with an oversized Astrakan collar that did indeed look like something the great movie mogul would have worn, and it certainly made an impression on the Chinese who were dressed to a man (and woman) in grey padded Mao suits.

We put up at the only hotel foreigners were allowed in - the Beijing Hotel - and were allocated an enormous suite - which the Foreign Office - who I had reported my visit to before going - as one did in those days - said was certainly bugged. This meant that Prue and I never discussed how the case was going at all and I wrote everything down - my arguments and the Chinese responses - without verbal comment. Our natural interaction was also curtailed by the risk of quite severe electric shocks caused by the extreme dryness of the air in the rooms.

Each day I would go off the headquarters of the China National Chartering Corporation and be faced by up to ten Chinese and would make my case. They would respond with their points but it was soon evident that a compromise might not be found. I eventually suggested dropping our claim for interest, to see if this provoked a corresponding offer on their side, but when it did not, I refused to make any other concession and the talks eventually came to an end without a resolution.

Each afternoon a large black car would arrive and take Prue and I off to some historic site - the Forbidden City, the Great Wall or the Summer Palace - for sightseeing, accompanied by female guides who rattled off the many fascinating facts about these amazing places till our ears were ringing. For respite, we had lunch and tea with the British ambassador, Sir Edward Youde,  together with other visiting British businessmen such as Sir Keith Stuart of Associated British Ports - who was one of the few people one could talk to who had ever heard of 'demurrage'. In the entrance to the embassy, there was a table with an enormous flowering azalea in a  beautiful Chinese bowl and I remember being astonished when they told me that it was repotted every few months.

The hotel had a rather alarming policy of closing off each floor in the evening so that one couldn't really leave one's room after a certain hour.  I made friends with an American woman who was staying in the hotel, who was a fur trader and who I later introduced to one of my American lawyer friends, Glen Oxton, and I think they went out for a while. The only other way of passing the time - which was about three weeks in all - was at a snooker table in a room behind reception where the foreigners gathered in the evening before the floor 'curfew' began.

As the case couldn't be settled in Beijing, I decided to return via Hong Kong and consult the Attorney-General, Michael Thomas, on the prospects of a London arbitration award being enforceable in China. In those days this was a very long shot and eventually the case was settled in the time-honoured way through the brokers with the owners securing further charters from the Chinese.






Tuesday, January 12, 2016

Mario de Pace 1943 - 2015



Mario de Pace

Mark Holford has sent in a piece on the influential former IT partner of Thomas Miller who died after Christmas at the age of 72 in St Agnes, Cornwall:-

Mario de Pace was born and grew up in South Africa, coming to the UK as a young man. He joined Thomas Miller in 1975 in their Cockfosters office and throughout his 25 year career was Head of IT. As the importance of IT grew, so did his role and eventually to such an extent he became a partner in 1988.


I knew nothing of Mario when I was appointed by the then Thomas Miller Senior Partner, David Martin-Clark, to work with him in 1990 on an IT strategy. In fact most of the things I had heard were negative. How wrong they were. He was the best colleague to work with. Always wise and supportive. It was a "marriage" made in heaven: we each complemented our strengths and weaknesses. Mario was a past master at ensuring that everyone was on side before a meeting took place, while I was good at presentations, which he did not like doing. In fact the first illustrated presentation ever made to the Thomas Miller Board / Partnership was our 1990 IT Strategy – we used 35mm slides made from a PowerPoint type presentation package; we created it together and I delivered it, heavily rehearsed by Mario!
 Mario, Sam Ignarski and myself turned our IT Strategy into a competition entry on a vision for the London Market. It won the first prize, which included a pair of video conference phones – we never used them!
 Mario was a visionary. We were one of the first London insurance companies to get internal email in the very early 90’s (actually 1987). He then suggested that I look at a product called Lotus Notes (eventually taken over by IBM). It took me 6 months to grasp why it was so powerful, but he had seen it immediately. Only now is Thomas Miller ceasing to use it. 
Arising out of the IT Strategy Mario and I created some very big projects, including “Guide”, a complex underwriting system, that had its challenges. Yet he always was clear-sighted, encouraging and helped me through some difficult times to a satisfactory outcome. “Oasis”, our largest project, was designed to make Thomas Miller’s claims paperless and to control the entire claims documentation process. This was radical in 1995 and the size of the project was ambitious. Mario was taken to Peterborough by IBM, our project partner, to see how the Sun Alliance handled 2m motor claims. When he commented that we only had 85,000, the IBM executive said”… but you have more documents than they do!” Despite its size and complexity, the project was a great success and won a number of awards. My colleague Kim Vernau (now the CEO of a major Thomas Miller subsidiary, BLP Insurance,) ran the project and remembers “how supportive Mario was during the project, both in terms of advice and in managing the Budget!”. Mario always had money squirrelled away and would find the funds – sometimes large sums – to do things. We never knew how he hid them from the Finance Director, Bruce Kesterton (now the Thomas Miller CEO). Despite, or probably because of, this, his projects were always on or below budget.
 A young Swedish lawyer, Åke Nilson, joined Thomas Miller in the late 80’s and left in 1992 to start a business in shipping EDI using technology to connect businesses. Mario had the foresight to stay in touch with Åke, who was developing a project to create paperless electronic bills of lading. In 1996 he said to me that Åke needed help to fund the business, christened Bolero. Between us we managed to persuade SWIFT (the banks’ payment network) and the TT Club (Thomas Miller’s second biggest mutual) to invest $5m each. Bolero still exists today.
 The last thing we did together was Transactio. In 2000, the middle of the dotcom bubble, Mario and I, along with two other Thomas Miller executives, decided that we should try to use Thomas Miller’s connections to create Transactio, a shipping portal dotcom. As always Mario was a core part of the vision. The deal was that if we got funded the four of us would leave Thomas Miller. We drew up a pragmatic and modest plan and set out to raise money but we could not find funding. I always said that we failed was because we were not prepared to lie and say we would get £50m of shipping advertising - everybody else did. Had we got funded, there is no doubt that we would have been the oldest “dotcommers”; all the rest even in shipping were in their 20’s. It is interesting there were over 200 shipping dotcoms by the end of 2000 and only about 5 survive today. Following our failure to find funding, Thomas Miller decided to invest in one of these survivors, ShipServ, a shipping ecommerce business.
At this point Mario took the wise decision to hang up his IT / Thomas Miller boots and retire to Cornwall. Despite illness, he took up another challenge, driving the renovation and conversion of the St Agnes Miners’ & Mechanics Institute into a successful community centre. In this as in all his projects he showed great drive and determination, despite failing health.
 Finally the other thing I remember was his vicious one fingered typing; he would destroy a keyboard a year. He wrote 7 IT help books this way. I am pleased to see that they are still available on Amazon. Like many of his achievements he was very quiet and modest about his writing career.
Thomas Miller owes him an enormous debt of gratitude; all the systems we put in place in the 90’s are still there and only just now being replaced. It is a testimony to their quality and inspiration that they have been difficult to supplant. To me he was a wonderful colleague and friend. Our careers were inextricably linked for 10 years and I owe him a huge amount. All my retirement activities are involved with IT and without Mario I would not be doing any of them. I know that you will be watching over us and ensuring that we apply your wisdom. R.I.P.

[Your editor is also highly indebted to MdP for his wise guidance over many years, not to mention his friendship]

[nb Mark Holford is the Chairman of Klipboard.io]

Reprinted from The Maritime Advocate 12th January 2016

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