Following President Muhammadu Buhari war on corruption and my various
publications in sahara reporters and a few national newspapers, of which
a copy is hereby attached, Bar. Jimoh Ibrahim paid some hired assassins
to eliminate me.
I am being monitored by four men with two power bike after a meeting was
held in Bar. Jimoh Ibrahim hotel, where it was agreed that if they
could not get me kidnapped on or before the 4th of Aug, my house will be
attacked on 5th Aug, 2015.
Having paid the assassins, Barrister
Ibrahim, out of fear that he might be arrested, left Nigeria few days
ago to London and has enrolled as a student in Oxford University, for a
part time course as a cover up.
The reason for assassinating is as follows:
That John Nnorom exposed the N35.5Billion Aviation
Intervention fund fraud, which was diverted by Bar Jimoh Ibrahim into
his personal account and the Nigeria Senate resolution dated 29th Nov,
2012 signed by Senator Hope Uzodinma, asking the then Governor of
Central Bank of Nigeria, Sanusi Lamido Sanusi, current Emir of Kano, to
recover the money. There is a big panic in Jimoh house, that President
Buhari, who has refused to grant Bar Jimoh Ibrahim audience despite four
attempts made by Bar Jimoh Ibrahim will prosecute him in the next few
months.
That John Nnorom exposed the N10Billion paid to Nicon Insurance Plc by
the Accountant General of Nigeria, for payment of pensioners but Bar
Jimoh Ibrahim diverted the money into the acquisition of his private
challenger jet with Reg No : NG 605 GF. The pensioners are dying. This
case has been established, as EFCC has traced the fund movement from the
money paid by the accountant general into the seller of the aircraft
account based on my petition. We have even contacted the lawyer that
processes the purchase of the Aircraft in USA as part of the witness.
The challenger is currently parked in SAO TOME.
That John Nnorom will take all risk to testify against Bar Jimoh Ibrahim
during trial and therefore, it is better to assassinate him now.
I therefore call on all patriotic Nigerians, including the Inspector-
General of Police, our President Buhari, the DG - SSS, to note that if
anything happen to me, Bar Jimoh Ibrahim should be prosecuted.
JOHN I NNOROM (FCA, ACTI, MBA)
17 KODEOSH STREET, IKEJA, LAGOS http: www.nuclearworld.com.ng
e-mail: john .nnorom@gmail.com TEL: 08033064519; 07068021111
BAR JIMOH IBRAHIM: THE FACE OF CORRUPTION IN NIGERIA
On the 23rd of June, 2015, Our
President, vowed to recover within three months all the money looted
from our treasury. For making such a vow, history and posterity will
remember President Buhari. I recalled during the first week of June,
2015, I dreamt a dream, where some of my friends, who died fighting
corruption, were celebrating in a cloud of rainbow. I woke up,
wondering, why this celebration in the heavenly realm. Three weeks
later, President Buhari vowed to recover our stolen wealth, my joy is
unlimited.
Dear President Buhari, I promised to
fight corruption with the last breath in my life in 2012 and would like
to mention that, Bar Jimoh Ibrahim represents corruption institutionzed
at the highest level in Nigeria. The sale of the following Federal
Government investments, which Jimoh was a front, namely Air Nigeria
Development Ltd, Nicon Insurance Plc, Nigeria Re-insurance Corporation
were all fraudulent sales. Jimoh has been on asset stripping of these
institutions, into Nicon Investment Ltd, a company blacklisted by
Central Bank of Nigeria during the era of Mallam Sanusi Lamido Sanusi,
now the Emir of Kano.
Mr. President, I summarized below,
how these institutions, which were partly owned by Federal Government
were stripped of her assets by Jimoh. No board meeting has been held
for all these massive withdrawals by Jimoh and the effort that, I made
in whistleblowing his activities with little emphasis on various
assassination attempts on my life.
ACQUISITION OF OUR NATIONAL CARRIER: VIRGIN NIGERIA, N35.5B DIVERTED FOR PERSONAL USE
Virgin Nigeria was in debt of $237M
(N35.5Billion) repayable over a period of 5years, when Jimoh acting as a
front for highly placed Federal Government official fraudulently
acquired the National Carrier without paying a kobo. The debt of N35.5B
was transferred to Nicon Group Account with UBA PLC. This transfer gave
the Air line, a clean account, which was highly published. Air Nigeria
immediately took the Aviation Intervention Loan of N35.5Billion from
Bank of Industry through United Bank for Africa. This loan was debited
back to Air Nigeria account and Nicon Group of companies account was
credited. This loan was diverted into the purchase of the land, where
the largest oil well in the world is deposited in SAO TOME including
acres of land for the building of a university by Jimoh . Part of this
loan was used in the purchase of choice properties in Dubai, USA and UK.
I wrote to the then, Nigeria Senate President, David Mark, who directed
my petition to the Senate Committee on Aviation, then chairman by
Senator Hope Uzodinma. This committee confirmed my petition and
recommended in senate resolution dated 29th Nov, 2014 that, Governor
Sanusi Lamido Sanusi, now the Emir of Kano should recover this money
from Jimoh . We all know, how the Emir of Kano exited from CBN and to
date THIS FEDERAL GOVERNMENT INTERVENTION FUND HAS NOT BEEN RECOVERED
(documents are hereby attached)
AIR NIGERIA DEVELOPMENT LTD : N6B STOLEN BY JIMOH
The loan of N35.5B was repayable
over a period of 5years to UBA PLC but Federal Government Aviation
Intervention fund, which the Bank of Industry approved for Air Nigeria
was repayable over a period of 15years with lower interest rate, which
resulted to an excess of N6Billion yearly cash inflow into the Airline
account from 2009 to 2013. This is the amount that Jimoh diverted to
Nicon Investment Ltd, a company owned by his family, despite the fact,
that there are many stakeholders in the airline, which includes the
employee, the shareholders, the creditors etc. In addition to my
resignation, he sacked 790 staff on the pages of newspapers and many are
dead to date without any pension. Our suit No ; NICN/LA/481/2012 still
pending in court. Despite all, Jimoh, sold the Airline for N3Billion and
pocketed the money. (Schedule of withdrawal is hereby attached)
ACQUISITION OF NICON INSURANCE PLC VALUED AT 10% OF TOTAL COST
Nicon Insurance Plc, had 20million
pounds in her special Foreign account in London , shares in Union bank
valued at N500Million, millions of pounds in union bank London branch,
millions of dollars in American Express Bank, which were not
disclosed at the time of acquisition. The Nicon Insurance was
under-valued by 90% based on Jimoh instruction, that only the Naira
valuation will be considered in the purchase. The Nicon Insurance was
not in distress as at the time of acquisition by Jimoh. The naira
valuation represents 10% of the total value of the company. Jimoh
without following due process won the privatization bid on Nicon
Insurance Plc. Like in all his acquisition, it was heavily published
that Jimoh acquired Nicon Insurance Plc.
With fake building document
deposited in bank for the acquisition, Jimoh appointed the Managing
Director, Mr.Emmanuel Jegede, who signed the purchase agreement and
before payment could be made to Federal Government, he travelled to
London with Jegede, The EX-MD and EX-Company Secretary of NICON
Insurance Plc, and clean the account of NICON in London, thereby
recovering nine times the value of the company. To cover this fraud,
Jimoh sacked all the NICON staff in the five story London office,
located at 21 Worship Street, London, EC2A 2BH. When the auditor
representing the Federal Government 30% shareholding started shouting
internally in Nigeria, on the looting of Nicon Insurance Plc, Jimoh,
invited him for a meeting and on his way back to his house, he was
assassinated. Having assassinated the internal auditor, the following
people namely: Mr. Emmanuel Akinmolu Jegede, the MD- Nicon Insurance
Plc, pledged his 100% loyalty, Ms Prisca Soares the Ex-MD/CEO of Nicon
Insurance and the Ex-company secretary ran away from Jimoh for safety
reasons. Dear President Buhari, let these people be interrogated under
oath on this deal, with your assurance that they will not be
assassinated by Jimoh.
DYING PENSIONER MONEY USED TO BUY JET WITH REG NO: NG605GF
In the last few years, the
Accountant –General of Nigeria paid over N13Billion to Nicon Insurance
Plc, for the purpose of paying pensioners. As usual, the money was
laundered to USA and out of this money; Jimoh bought the challenger 625
jet with Reg No: NG605GF that he is currently flying around the world,
while pensioners are dying every day. I reported this case to EFCC and
it was investigated. EFCC confirmed my petition that Jimoh diverted this
money but refused to charge him to court saying that I am not an
interested legal person. However, this money represents fraudulent
withdrawal from corporate institution owned by Federal Government, of
which I am a Nigerian by birth. It should be noted that Federal
Government still holds 30% of Nicon Insurance Plc shares. Please,
President Buhari, help us to recover this loot.
BAR JIMOH IBRAHIM TAX EVASION SUIT OF N6. 4B/FIRS IN COOLER
The Federal Inland Revenue Services
after thorough investigation of my petition on the N6.4Billion owed
FIRS, made several efforts to recover this money despite the threat by
the then Attorney- General Bar Adoke. Jimoh was arrested and charged
to court. The first case was a criminal suit on tax clearance
certificate forgeries in Abuja and the second suit was recovery of the
debt. I followed this up with several visits to FIRS office and various
publications but Jimoh paid back only N150Million to FIRS, the balance
of this money need to be recovered, for which Jimoh wrote an
undertaking to pay in FIRS office. In addition to the above, the
criminal case in Abuja on tax certificate forgeries is now in the
cooler. Dear President Buhari, please help FIRS to recover this loot,
which belongs to Federal Government.
BAR JIMOH IBRAHIM DOES NOT PAY CORPORATE TAX ON HIS 16 COMPANIES
The following companies namely ;
Global fleet oil & Gas Ltd, Nicon Insurance Plc, Nigeria
RE-insurance Corporation, Nicon Properties Ltd, Nicon Luxury Hotel Ltd
Okitipupa, Abuja Nicon hotels Ltd, Nicon hotels Ltd VGC, Nicon
hotels Ltd, PHC and National Mirror Ltd, do not have current tax
clearance certificate. All these companies do not pay corporate taxes to
the Federal Inland Revenue Services in Nigeria. Even withholding taxes
deducted from sales on behalf of Federal Government, are not remitted.
The last signed audited account of these companies were in 2009 and I
have challenged Bar Jimoh Ibrahim to published in two national
newspapers the tax clearance certificate of his conglomerate since 2012.
This is a criminal offence in addition to recovery. Please, help us
sir.
EMPLOYEE TAX FRAUD : EFCC REFUSED TO CHARGE JIMOH IBRAHIM TO COURT
In all the companies owned by jimoh,
taxes are not remitted to the relevant tax authorities but were
deducted from staff salaries. I am a victim and I petition Jimoh to
EFCC, listing as witness the 790 Ex-staff of Air Nigeria sacked on the
pages of newspapers. The same EFCC charged to court Steve Judd, the MD
of Ascot Flowlines Limited for tax deduction not remitted to the board
and pension fund deducted not remitted on one staff named, Bar Austin
Aguguo. However to date, EFCC has refused, to charge Jimoh to court for
refusal to remit tax deduction from my salary and 790 Ex-Staff of Air
Nigeria. Please, help us sir.
For this cause, I was arrested on
false allegation, charged to court and was discharged. The gallant FIRS
officers that arrested Jimoh were transferred out, at a point, shown red
and green pen by the Attorney- General Bar Adoke, the IPO in EFCC was
harassed and warned by OGA, in addition to various assassination
attempts on my life.
I hereby appeal to our President to
consider this open letter and ensure that the loot is fully recovered.
Thank you President Buhari.
Yours Faithfully,
JOHN I NNOROM (FCA, ACTI, MBA)
Following President Muhammadu Buhari war on corruption and my various
publications in sahara reporters and a few national newspapers, of which
a copy is hereby attached, Bar. Jimoh Ibrahim paid some hired assassins
to eliminate me.
I am being monitored by four men with two power bike after a meeting was held in Bar. Jimoh Ibrahim hotel, where it was agreed that if they could not get me kidnapped on or before the 4th of Aug, my house will be attacked on 5th Aug, 2015.
That John Nnorom exposed the N35.5Billion Aviation Intervention fund fraud, which was diverted by Bar Jimoh Ibrahim into his personal account and the Nigeria Senate resolution dated 29th Nov, 2012 signed by Senator Hope Uzodinma, asking the then Governor of Central Bank of Nigeria, Sanusi Lamido Sanusi, current Emir of Kano, to recover the money. There is a big panic in Jimoh house, that President Buhari, who has refused to grant Bar Jimoh Ibrahim audience despite four attempts made by Bar Jimoh Ibrahim will prosecute him in the next few months.
That John Nnorom exposed the N10Billion paid to Nicon Insurance Plc by the Accountant General of Nigeria, for payment of pensioners but Bar Jimoh Ibrahim diverted the money into the acquisition of his private challenger jet with Reg No : NG 605 GF. The pensioners are dying. This case has been established, as EFCC has traced the fund movement from the money paid by the accountant general into the seller of the aircraft account based on my petition. We have even contacted the lawyer that processes the purchase of the Aircraft in USA as part of the witness. The challenger is currently parked in SAO TOME.
That John Nnorom will take all risk to testify against Bar Jimoh Ibrahim during trial and therefore, it is better to assassinate him now.
I therefore call on all patriotic Nigerians, including the Inspector- General of Police, our President Buhari, the DG - SSS, to note that if anything happen to me, Bar Jimoh Ibrahim should be prosecuted.
JOHN I NNOROM (FCA, ACTI, MBA)
17 KODEOSH STREET, IKEJA, LAGOS http: www.nuclearworld.com.ng
e-mail: john .nnorom@gmail.com TEL: 08033064519; 07068021111
I am being monitored by four men with two power bike after a meeting was held in Bar. Jimoh Ibrahim hotel, where it was agreed that if they could not get me kidnapped on or before the 4th of Aug, my house will be attacked on 5th Aug, 2015.
Having paid the assassins, Barrister Ibrahim, out of fear that he might be arrested, left Nigeria few days ago to London and has enrolled as a student in Oxford University, for a part time course as a cover up.The reason for assassinating is as follows:
That John Nnorom exposed the N35.5Billion Aviation Intervention fund fraud, which was diverted by Bar Jimoh Ibrahim into his personal account and the Nigeria Senate resolution dated 29th Nov, 2012 signed by Senator Hope Uzodinma, asking the then Governor of Central Bank of Nigeria, Sanusi Lamido Sanusi, current Emir of Kano, to recover the money. There is a big panic in Jimoh house, that President Buhari, who has refused to grant Bar Jimoh Ibrahim audience despite four attempts made by Bar Jimoh Ibrahim will prosecute him in the next few months.
That John Nnorom exposed the N10Billion paid to Nicon Insurance Plc by the Accountant General of Nigeria, for payment of pensioners but Bar Jimoh Ibrahim diverted the money into the acquisition of his private challenger jet with Reg No : NG 605 GF. The pensioners are dying. This case has been established, as EFCC has traced the fund movement from the money paid by the accountant general into the seller of the aircraft account based on my petition. We have even contacted the lawyer that processes the purchase of the Aircraft in USA as part of the witness. The challenger is currently parked in SAO TOME.
That John Nnorom will take all risk to testify against Bar Jimoh Ibrahim during trial and therefore, it is better to assassinate him now.
I therefore call on all patriotic Nigerians, including the Inspector- General of Police, our President Buhari, the DG - SSS, to note that if anything happen to me, Bar Jimoh Ibrahim should be prosecuted.
JOHN I NNOROM (FCA, ACTI, MBA)
17 KODEOSH STREET, IKEJA, LAGOS http: www.nuclearworld.com.ng
e-mail: john .nnorom@gmail.com TEL: 08033064519; 07068021111
BAR JIMOH IBRAHIM: THE FACE OF CORRUPTION IN NIGERIA
On the 23rd of June, 2015, Our
President, vowed to recover within three months all the money looted
from our treasury. For making such a vow, history and posterity will
remember President Buhari. I recalled during the first week of June,
2015, I dreamt a dream, where some of my friends, who died fighting
corruption, were celebrating in a cloud of rainbow. I woke up,
wondering, why this celebration in the heavenly realm. Three weeks
later, President Buhari vowed to recover our stolen wealth, my joy is
unlimited.
Dear President Buhari, I promised to
fight corruption with the last breath in my life in 2012 and would like
to mention that, Bar Jimoh Ibrahim represents corruption institutionzed
at the highest level in Nigeria. The sale of the following Federal
Government investments, which Jimoh was a front, namely Air Nigeria
Development Ltd, Nicon Insurance Plc, Nigeria Re-insurance Corporation
were all fraudulent sales. Jimoh has been on asset stripping of these
institutions, into Nicon Investment Ltd, a company blacklisted by
Central Bank of Nigeria during the era of Mallam Sanusi Lamido Sanusi,
now the Emir of Kano.
Mr. President, I summarized below,
how these institutions, which were partly owned by Federal Government
were stripped of her assets by Jimoh. No board meeting has been held
for all these massive withdrawals by Jimoh and the effort that, I made
in whistleblowing his activities with little emphasis on various
assassination attempts on my life.
ACQUISITION OF OUR NATIONAL CARRIER: VIRGIN NIGERIA, N35.5B DIVERTED FOR PERSONAL USE
Virgin Nigeria was in debt of $237M
(N35.5Billion) repayable over a period of 5years, when Jimoh acting as a
front for highly placed Federal Government official fraudulently
acquired the National Carrier without paying a kobo. The debt of N35.5B
was transferred to Nicon Group Account with UBA PLC. This transfer gave
the Air line, a clean account, which was highly published. Air Nigeria
immediately took the Aviation Intervention Loan of N35.5Billion from
Bank of Industry through United Bank for Africa. This loan was debited
back to Air Nigeria account and Nicon Group of companies account was
credited. This loan was diverted into the purchase of the land, where
the largest oil well in the world is deposited in SAO TOME including
acres of land for the building of a university by Jimoh . Part of this
loan was used in the purchase of choice properties in Dubai, USA and UK.
I wrote to the then, Nigeria Senate President, David Mark, who directed
my petition to the Senate Committee on Aviation, then chairman by
Senator Hope Uzodinma. This committee confirmed my petition and
recommended in senate resolution dated 29th Nov, 2014 that, Governor
Sanusi Lamido Sanusi, now the Emir of Kano should recover this money
from Jimoh . We all know, how the Emir of Kano exited from CBN and to
date THIS FEDERAL GOVERNMENT INTERVENTION FUND HAS NOT BEEN RECOVERED
(documents are hereby attached)
AIR NIGERIA DEVELOPMENT LTD : N6B STOLEN BY JIMOH
The loan of N35.5B was repayable
over a period of 5years to UBA PLC but Federal Government Aviation
Intervention fund, which the Bank of Industry approved for Air Nigeria
was repayable over a period of 15years with lower interest rate, which
resulted to an excess of N6Billion yearly cash inflow into the Airline
account from 2009 to 2013. This is the amount that Jimoh diverted to
Nicon Investment Ltd, a company owned by his family, despite the fact,
that there are many stakeholders in the airline, which includes the
employee, the shareholders, the creditors etc. In addition to my
resignation, he sacked 790 staff on the pages of newspapers and many are
dead to date without any pension. Our suit No ; NICN/LA/481/2012 still
pending in court. Despite all, Jimoh, sold the Airline for N3Billion and
pocketed the money. (Schedule of withdrawal is hereby attached)
ACQUISITION OF NICON INSURANCE PLC VALUED AT 10% OF TOTAL COST
Nicon Insurance Plc, had 20million
pounds in her special Foreign account in London , shares in Union bank
valued at N500Million, millions of pounds in union bank London branch,
millions of dollars in American Express Bank, which were not
disclosed at the time of acquisition. The Nicon Insurance was
under-valued by 90% based on Jimoh instruction, that only the Naira
valuation will be considered in the purchase. The Nicon Insurance was
not in distress as at the time of acquisition by Jimoh. The naira
valuation represents 10% of the total value of the company. Jimoh
without following due process won the privatization bid on Nicon
Insurance Plc. Like in all his acquisition, it was heavily published
that Jimoh acquired Nicon Insurance Plc.
With fake building document
deposited in bank for the acquisition, Jimoh appointed the Managing
Director, Mr.Emmanuel Jegede, who signed the purchase agreement and
before payment could be made to Federal Government, he travelled to
London with Jegede, The EX-MD and EX-Company Secretary of NICON
Insurance Plc, and clean the account of NICON in London, thereby
recovering nine times the value of the company. To cover this fraud,
Jimoh sacked all the NICON staff in the five story London office,
located at 21 Worship Street, London, EC2A 2BH. When the auditor
representing the Federal Government 30% shareholding started shouting
internally in Nigeria, on the looting of Nicon Insurance Plc, Jimoh,
invited him for a meeting and on his way back to his house, he was
assassinated. Having assassinated the internal auditor, the following
people namely: Mr. Emmanuel Akinmolu Jegede, the MD- Nicon Insurance
Plc, pledged his 100% loyalty, Ms Prisca Soares the Ex-MD/CEO of Nicon
Insurance and the Ex-company secretary ran away from Jimoh for safety
reasons. Dear President Buhari, let these people be interrogated under
oath on this deal, with your assurance that they will not be
assassinated by Jimoh.
DYING PENSIONER MONEY USED TO BUY JET WITH REG NO: NG605GF
In the last few years, the
Accountant –General of Nigeria paid over N13Billion to Nicon Insurance
Plc, for the purpose of paying pensioners. As usual, the money was
laundered to USA and out of this money; Jimoh bought the challenger 625
jet with Reg No: NG605GF that he is currently flying around the world,
while pensioners are dying every day. I reported this case to EFCC and
it was investigated. EFCC confirmed my petition that Jimoh diverted this
money but refused to charge him to court saying that I am not an
interested legal person. However, this money represents fraudulent
withdrawal from corporate institution owned by Federal Government, of
which I am a Nigerian by birth. It should be noted that Federal
Government still holds 30% of Nicon Insurance Plc shares. Please,
President Buhari, help us to recover this loot.
BAR JIMOH IBRAHIM TAX EVASION SUIT OF N6. 4B/FIRS IN COOLER
The Federal Inland Revenue Services
after thorough investigation of my petition on the N6.4Billion owed
FIRS, made several efforts to recover this money despite the threat by
the then Attorney- General Bar Adoke. Jimoh was arrested and charged
to court. The first case was a criminal suit on tax clearance
certificate forgeries in Abuja and the second suit was recovery of the
debt. I followed this up with several visits to FIRS office and various
publications but Jimoh paid back only N150Million to FIRS, the balance
of this money need to be recovered, for which Jimoh wrote an
undertaking to pay in FIRS office. In addition to the above, the
criminal case in Abuja on tax certificate forgeries is now in the
cooler. Dear President Buhari, please help FIRS to recover this loot,
which belongs to Federal Government.
BAR JIMOH IBRAHIM DOES NOT PAY CORPORATE TAX ON HIS 16 COMPANIES
The following companies namely ;
Global fleet oil & Gas Ltd, Nicon Insurance Plc, Nigeria
RE-insurance Corporation, Nicon Properties Ltd, Nicon Luxury Hotel Ltd
Okitipupa, Abuja Nicon hotels Ltd, Nicon hotels Ltd VGC, Nicon
hotels Ltd, PHC and National Mirror Ltd, do not have current tax
clearance certificate. All these companies do not pay corporate taxes to
the Federal Inland Revenue Services in Nigeria. Even withholding taxes
deducted from sales on behalf of Federal Government, are not remitted.
The last signed audited account of these companies were in 2009 and I
have challenged Bar Jimoh Ibrahim to published in two national
newspapers the tax clearance certificate of his conglomerate since 2012.
This is a criminal offence in addition to recovery. Please, help us
sir.
EMPLOYEE TAX FRAUD : EFCC REFUSED TO CHARGE JIMOH IBRAHIM TO COURT
In all the companies owned by jimoh,
taxes are not remitted to the relevant tax authorities but were
deducted from staff salaries. I am a victim and I petition Jimoh to
EFCC, listing as witness the 790 Ex-staff of Air Nigeria sacked on the
pages of newspapers. The same EFCC charged to court Steve Judd, the MD
of Ascot Flowlines Limited for tax deduction not remitted to the board
and pension fund deducted not remitted on one staff named, Bar Austin
Aguguo. However to date, EFCC has refused, to charge Jimoh to court for
refusal to remit tax deduction from my salary and 790 Ex-Staff of Air
Nigeria. Please, help us sir.
For this cause, I was arrested on
false allegation, charged to court and was discharged. The gallant FIRS
officers that arrested Jimoh were transferred out, at a point, shown red
and green pen by the Attorney- General Bar Adoke, the IPO in EFCC was
harassed and warned by OGA, in addition to various assassination
attempts on my life.
I hereby appeal to our President to
consider this open letter and ensure that the loot is fully recovered.
Thank you President Buhari.
Yours Faithfully,
JOHN I NNOROM (FCA, ACTI, MBA)