Any views, assumptions or opinions expressed in this article are those of the author. No representation or warranty, express or implied, is provided in relation to the fairness, accuracy, correctness, completeness or reliability of any information, opinions or conclusions expressed herein. Issued by Bank of Valletta p.l.c., 58, Triq San Żakkarija, il-Belt Valletta VLT 1130. Bank of Valletta p.l.c. is a public limited company regulated by the MFSA, licensed to carry out the business of banking and investment services in terms of the Banking and Investment Services Acts (Cap.370, 371 of the Laws of Malta).