Arun Abey, helped establish IPAC Securities Limited, in 1983, a company specialising in investment portfolio research and management for both private and institutional clients. The IPAC group of companies, of which Arun is Executive Chairman, employs over 400 professional staff globally and manages more than $5 billion for investors. He has directed the company's expansion overseas into Europe, Asia and South Africa. Arun is an associate of the Securities Institute of Australia, and regularly writes investment articles for research journals and the media. Clifford German joined the Financial Times in 1961 and has since worked for The Times, Daily Telegraph, and From 1987 to 1994 he was City Editor of The Scotsman before transferring to The Independent as Personal Finance Editor until 1997. Clifford has written the Norwich Union Guide to Mortgage Finance, published by Penguin, and also co-authored An Economic Geography of the USSR with Professor John Cole. Before turning to journalism he taught geography at the University of Michigan and Wayne State University in Detroit. Ean Higgins joined The Australian Financial Review in 1982, spending five years as a reporter and section editor covering a range of financial and political rounds. In 1984 he set up the newspaper's bureau in Wellington and served as their first New Zealand staff correspondent. He later worked as senior reporter for the national investigative journal, The Times on Sunday, before joining The Australian and becoming their Foreign News Editor. From 1996 to 1998 Ean was posted to London as The Australian's European correspondent and he is now a senior editor on the newspaper.