Guy Thomas Guy Thomas http://www.guythomas.org.uk Free Capital: the world of independent private investors Details of my forthcoming book http://www.guythomas.org.uk/investment/freecap.php Genetics and insurance Page revised http://www.guythomas.org.uk/genetics/genetics.php Demand elasticity, risk classification and loss coverage - when can community rating work Paper accepted for ASTIN Bulletin http://www.guythomas.org.uk/pdf/LC2A.pdf Loss coverage as a public policy objective for risk classification schemes Paper accepted for The Journal of Risk and Insurance http://www.guythomas.org.uk/pdf/LC1.pdf Revised version of tax paper as published in British Tax Review Updated for April 2008 changes http://www.guythomas.org.uk/pdf/taxpaperBTR.pdf Anatomy of a fraud SFO Annual Report 2007 - 11 pages on the Orb fraud http://www.guythomas.org.uk/Alexanders/Alexanders.php New paper on investment and taxes Taxable and tax-advantaged portfolio management for UK personal investors. http://www.guythomas.org.uk/index.php#papers Minor updates Orb Estates and takeover panel scandal - Orb director jailed for 8 years. http://www.guythomas.org.uk/Alexanders/Alexanders.php Minor updates Home equity insurance - Housing futures and options now trading on the CME! http://www.guythomas.org.uk/homeequity//homeequity.php Letter to The Actuary Letter to The Actuary regarding accident compensation, which the magazine has refused to publish. http://www.guythomas.org.uk/compensation/ActLetter-Dec05.php Main page updated Home page has been updated http://www.guythomas.org.uk/