No really, how are you?




********************************************************************
 This  message and any attachments are confidential to the ordinary
 user  of the e-mail address to which it was addressed and may also
 be  privileged.   If  you  are not the addressee you may not copy,
 forward,   disclose  or  use  any  part  of  the  message  or  its
 attachments and if you have received this message in error, please
 notify  the sender immediately by return e-mail and delete it from
 your system.

 Internet  communications  cannot  be  guaranteed  to  be secure or
 error-free  as  information could be intercepted, corrupted, lost,
 arrive  late or contain viruses.  The sender therefore does not
 accept  liability  for  any  errors or omissions in the context of
 this  message  which  arise  as a result of Internet transmission.

 Any opinions contained in this message are those of the author and
 are not given or endorsed by the HSBC Group company or office
 through which this message is sent unless otherwise clearly
 indicated in this message and the authority of the author to so
 bind the HSBC entity referred to is duly verified.

********************************************************************