Without ATP, a large, charged solute would likely move across the plasma membrane using:

If a firm’s Money Laundering Reporting Officer (“MLRO”) fails to report their suspicions of money laundering to the National Crime Agency (“the NCA”), they may be committing an offence punishable by:

In which of the following situations are you most likely to satisfy the SRA Financial Services (Conduct of Business) Rules (“the CoB Rules”) in relation to Insurance Distribution?

What do you need to consider in deciding whether you can recommend or arrange the disposal of the units in the Unit Trusts under the Scope Rules?

Which investment is the most suitable for the investor seeking the most speculative return from part of their investment portfolio?

Which of the following is a specified investment under the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (“the RAO”)?

The client advises you that the outstanding mortgage is an ISA mortgage.  She knows little about such a product as her ex-husband made all of the key financial decisions. Briefly explain the difference between an ISA mortgage and a repayment mortgage, highlighting any advantages and disadvantages of each.

List five specified activities that might be involved in investment-related trust work.

What difference would it make to the ability of your firm to advise the client if one of the partners was one of Mr Jenkins’ executors and trustees?

You work for Hester & Co Solicitors, a small firm specialising in matrimonial finance and divorce proceedings. The firm recently acted for Mrs Gmerek following the breakdown of her three-year marriage to Mr Gmerek.  As part of this instruction, you obtained a financial settlement on behalf of Mrs Gmerek, which included a lump sum of £50,000 in addition to having the former matrimonial home transferred into her sole name. There is a small mortgage outstanding on the property.  Mrs Gmerek has a full-time job working for a local charity earning £30,000 per annum.  She has an eight-year-old son from a previous relationship, who lives with her full-time.  She has no contact with or financial support from the father. Mrs Gmerek has no investments or savings other than about £2,000 that she paid into a cash ISA with Clackshire Building Society some years ago.  She has previously given no thought to a pension (although has recently been enrolled in her employer’s workplace scheme). She would like some investment advice as to what she should do with the £50,000 she has received and in relation to her financial planning more generally. If Mrs Gmerek was a new client when you acted on the divorce, what should have been the first thing you asked to see before accepting the instruction and why?