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Emphasis on effective internal communication has proved successful for independent financial advisers NBJ Life and Pensions, a member of the Norman Butcher & Jones Group, which is one of the largest independently owned financial‐services companies in the UK. NBJ has offices in Bromley, Hove, Lutterworth and London. Eve Ghent, administration manager for the Midlands regional office of NBJ at Lutterworth, Leicestershire, believes that equality, mutual respect, good manners and courtesy are the key elements of the branch ethos which ensure an effective working environment and high morale.

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