How can you do that I hear you ask? Naturally I don’t have the answer but some anecdotal stories
may challenge your thinking.

In the past 6 months we have seen some terrible disasters both in Australia and overseas.
What would you do if you had just opened a shop in Queensland, then your shop and most of the
town were wiped out as a result of the devastating floods.

A friend of mine bought a commercial ski lodge in Miseko, Japan 2 years ago. Whilst this is on the
northern island of Hokaido and not affected by the radiation fallout from the tsunami on the
mainland, tourists will be cautious and may stay away for the next ski season. On top of that the
rising AUS$ against the US$ will mean more skiers may change their plans and ski the US rather than
Japan.

Another friend opened a healthclub in Christchurch NZ which was wiped out in the earthquake. This
club has still not re-opened and only a minor part of the insurance cover has been received.

My point is – How will you cope with the unexpected.