Copyright Helen Calder 2019

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Views expressed are the personal view of the author. The author does not accept any liability for any losses suffered by any person or organisation relying directly or indirectly on this resource.

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You may download any resource on this website and/or print up to 10 copies without charge, provided no part of the heading or text is altered or omitted and the author is acknowledged.

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If you would like to prepare an edited version for your use please first contact Helen at calderconsultancy@btinternet.com