Victoria Wendy Killay, MA, has over 40 years of experience in financial markets. Ms Killay trained as a Financial Analyst with Merrill Lynch and Schroder Investment Management Ltd in London before joining IDS, a subsidiary of American Express, where she became a Fund Manager with special responsibility for Continental European stock markets and the United Kingdom. She was also director of marketing for CDC Investment Management Ltd, a subsidiary of La Caisse des Depots et Consignations, one of Frances largest and most respected financial institutions. For the last decade,