For its final meeting of 2009 ICM once again accepted the hospitality of FUJIFILM at its Bedford offices. The host and guest speaker was Stuart Hopewell, FUJI's credit manager for the past 20 years. Stuart's talk entitled "A Balancing Act" described how he managed to juggle his responsibilities in his two years as chairman. On the technical front, rather than plough through reams of statistics and "ratios" Stuart was keen to de mystify the balance sheet. Finally a presentation was made to Rose Church, celebrating her attaining MICM (Grad) status recently.