In this issue:   

	» A vintage year
	» Revving up Optima bike
	» TCF... We need your help!
	» New faces
	» Manual Tradesman withdrawal
	» Getting the best from Optima Online?
	» Heading up Healthcare
	» Schemes zone
	» The last word
	» Dates for your diary

Most computers will open PDF documents automatically, but you may need to download Adobe Acrobat Reader.

• Download and install the reader here