Stuart Stone
pretty illegible that chicken scratch...
Been having an interesting read re fraud:
http://www.guildhallchambers.co.uk/uploads/docs/section9/Civil_Fraud_Back_to_basics_RossFentem&LucyWalker_November_2012.pdf
...'the answer to the question posed in the sub-heading introducing this paper, �What is �Commercial Fraud�?�, can only be: it depends on what you need to prove.' :D