GALE AND PHILLIPSON ADVISORY SERVICES LTD

GALLOWFIELDS HOUSE, FAIRFIELD WAY, RICHMOND, NORTH YORKSHIRE, DL10 4TB

Previous name: GALE AND PHILLIPSON ADVISORY SERVICES LTD. (changed on 08-Aug-2018)
Previous name: GALE & PHILLIPSON LIFE & PENSIONS LIMITED (changed on 09-Jul-2018)

Company Number: 02232959
Incorporation date: 21-Mar-1988
Status: Active
Entity type: Private Limited Company

SIC codes:
65110 Life insurance

SUMMARY

This company is 36.1 years old and is currently active. It is controlled by multiple entities. The latest reported revenue figure is GBP 2.3 million which is up 30% on previous year's figure of GBP 1.9 million. The company has 2 active officers (directors or partners) who are or were officers of 89 other companies, 28 (31.5%) of which have since been dissolved or are proposed for strike off. The company has no public disputes filed on the Business Disputes Register. There are no court cases involving the company that we are aware of.

FINANCIALS (BETA)

Next accounts due: 30-Jun-2024
Accounts Filed: FULL (31-May-2022)

P&L Financials:

Year end	Currency	Revenue	Operating profit	Interest Received	Tax	Net Profit GBP
31-May-2020	GBP	2,339,134	115,550	27,850	34,135	109,265
31-May-2019	GBP	1,859,753	-4,781	23,633	10,296	8,556
31-May-2018	GBP	1,852,615			17,976	43,252

No P&L data available

Balance Sheet Financials:

Year end	Currency	Cash	Current Assets	Current Liabilities	Debt	Share Capital	Premium Reserve	Retained Earnings	Net Assets
31-May-2020	GBP	308,874	761,115	211,011
31-May-2019	GBP	252,041	779,655	380,767			100	530,428	531,428
31-May-2018	GBP	139,898	678,102	297,489	40,000		100	521,872	522,872
30-Apr-2014	GBP	226,136	258,327	85,006		900		203,942	204,942
30-Apr-2013	GBP	179,274	202,831	77,624		900		115,171	116,171
30-Apr-2012	GBP	116,622	169,153	130,456		900		58,406	59,406

VALUATION EVENTS (BETA)

Year end	Currency	% Equity	Sum raised	Pre-Money Valuation*	Post-Money Valuation*	Enterprise Value**
31-May-2018	GBP	inf%	-800	800	0	-162,617

* Average valuation during the period
** Estimated based on average Cash and Debt levels during period

DISPUTES

No disputes filed on www.disputesregister.org

COMPANY SECRETARY

Status	Name	Appointed on	Resigned on	All apointments (active/resigned)
Active	ENDEAVOUR SECRETARY LIMITED	13 Feb 2015	16 Apr 2024	32 - 156
Resigned	Alan Robert SNEDDON	23 Sep 2005	13 Feb 2015	0 - 11
Resigned	Jennifer Eileen COPE		23 Sep 2005	0 - 10

DIRECTORS

Status	Name	Appointed on	Resigned on	Occupation	Nationality	All appointments (active/resigned)	Dissolved companies (rate)
Active	Darren William John SHARKEY	30 Jun 2023		Company Director	Irish	23 - 70	31 (33.3%)
Active	Andrew Bernard THOMPSON	30 Jun 2023		Company Director	British	6 - 1	0 (0.0%)
Resigned	Peter Denis GRIFFIN	18 Oct 2018	30 Jun 2023	None Supplied	British	6 - 5	0 (0.0%)
Resigned	Alan Robert SNEDDON	23 Sep 2015	18 Oct 2018	Company Director	British	0 - 11	2 (18.2%)
Resigned	GALE AND PHILLIPSON INVESTMENT SERVICES LTD	13 Feb 2015	30 Jun 2023			0 - 2	0 (0.0%)
Resigned	Alan Robert SNEDDON	23 Sep 2005	13 Feb 2015	Financial Services	British	0 - 11	2 (18.2%)
Resigned	Philip Anthony MORRIS	23 Sep 2005	23 Sep 2015	Company Director	British	2 - 8	3 (30.0%)
Resigned	Peter John COOPER	01 May 1998	14 Jun 2002	Independent Financial Advisor	British	2 - 2	0 (0.0%)
Resigned	Jonathan Nicholas MOORE	06 Nov 1995	23 Sep 2005	Company Director	British	0 - 4	3 (75.0%)
Resigned	Eric BUCK		26 Feb 1993	Co Director	British	0 - 1	0 (0.0%)
Resigned	Robert James BLACKBURN		18 Aug 2000	Co Director	British	0 - 4	2 (50.0%)
Resigned	Jennifer Eileen COPE		19 Oct 2006	Co Director	British	0 - 10	7 (70.0%)
Resigned	Sybil Patricia BLACKBURN		18 Aug 2000	Co Director	British	0 - 3	1 (33.3%)

Number of active directors: 2
Average tenure of active directors: 0.8 years
Average tenure of resigned directors: 4.5 years
Average active director Dissolution Rate: 16.7%

DIRECTOR APPOINTMENTS IN OTHER COMPANIES

Name	Darren William John SHARKEY	Andrew Bernard THOMPSON
SKANDIA INSURANCE (UK CONTACT OFFICE) LIMITED (01057028) - Dissolved	✔
REASSURE LIFE LIMITED (01363932) - Active	✔
QUILTER INVESTMENT PLATFORM LIMITED (01680071) - Active	✔
PROFESSIONAL LIFE ASSURANCE COMPANY LIMITED (01689376) - Dissolved	✔
MAESTRO FINANCIAL SERVICES LIMITED (01863834) - Active	✔
THE FALCON GROUP LIMITED (01869421) - Liquidation	✔
GALE AND PHILLIPSON ADVISORY SERVICES LTD (02232959) - Active	✔	✔
DNB NOR ASSET MANAGEMENT (UK) LTD. (02468737) - Dissolved	✔
LIGHTHOUSEXPRESS LIMITED (02866103) - Liquidation	✔
QUILTER INVESTORS PORTFOLIO MANAGEMENT LIMITED (03056894) - Liquidation	✔
LIGHTHOUSEPLUS LIMITED (03140857) - Active	✔
QUILTER FINANCIAL PLANNING SOLUTIONS LIMITED (03276760) - Active	✔
LIGHTHOUSE BENEFITS LIMITED (03364754) - Liquidation	✔
GALE AND PHILLIPSON GENERAL FINANCIAL SERVICES LTD (03751076) - Active	✔	✔
LIGHTHOUSE FINANCIAL ADVISER SERVICES LIMITED (03789599) - Active	✔
BEAUFORT FINANCIAL PLANNING (WEST MIDLANDS) LTD (03806002) - Active	✔
FA92 WEALTH GROUP LTD (03970051) - Active	✔
LIGHTHOUSEWEALTH LIMITED (03970262) - Active	✔
MICHAEL WAITE INDEPENDANT FINANCIAL ADVICE LTD (03980513) - Active - Proposal to Strike off	✔
INTRINSIC CIRILIUM INVESTMENT COMPANY LIMITED (04033107) - Liquidation	✔
LIGHTHOUSE GROUP LIMITED (04042743) - Active	✔
LIGHTHOUSE PENSIONS HELP LIMITED (04044016) - Active	✔
LIGHTHOUSETEMPLE LIMITED (04057453) - Active	✔
FALCON FINANCIAL ADVICE LIMITED (04073122) - Active	✔
FINLI (FA92) LIMITED (04077157) - Active	✔	✔
LIGHTHOUSE ADVISORY SERVICES LIMITED (04086645) - Active	✔
LIGHTHOUSE CORPORATE SERVICES LTD (04086656) - Active	✔
LIGHTHOUSE SUPPORT SERVICES LIMITED (04109068) - Liquidation	✔
LIGHTHOUSE+ LIMITED (04116434) - Active	✔
QUILTER LIFE & PENSIONS LIMITED (04163431) - Active	✔
LIGHTHOUSE WEALTH MANAGEMENT LIMITED (04424667) - Liquidation	✔
QUILTER WEALTH LIMITED (04500273) - Active	✔
DQS FINANCIAL MANAGEMENT LIMITED (04599331) - Active	✔
BLUEPRINT FINANCIAL SERVICES LIMITED (04736809) - Liquidation	✔
LIGHTHOUSE FINANCIAL ADVICE LIMITED (04795080) - Active	✔
OLD MUTUAL WEALTH NTS LIMITED (04800506) - Dissolved	✔
BLUEPRINT ORGANISATION LIMITED (04821809) - Liquidation	✔
BEAUMONT ROBINSON LTD. (04849239) - Active - Proposal to Strike off	✔
PRESCIENT FINANCIAL INTELLIGENCE LIMITED (05005255) - Liquidation	✔
LIGHTHOUSE FINANCIAL ADVISERS LIMITED (05028294) - Active	✔
CHARLES JACQUES LIMITED (05046148) - Liquidation	✔
THINK SYNERGY LIMITED (05113517) - Liquidation	✔
BLUEPRINT DISTRIBUTION LIMITED (05186737) - Liquidation	✔
QUILTER FINANCIAL PLANNING LIMITED (05372217) - Active	✔
GALE AND PHILLIPSON INVESTMENT SERVICES LTD (05409822) - Active	✔
QUILTER MORTGAGE PLANNING LIMITED (05495327) - Active	✔
QUILTER FINANCIAL SERVICES LIMITED (05506637) - Active	✔
MKC (CARRWOOD) LIMITED (05626656) - Active	✔
QUILTER FINANCIAL ADVISERS LIMITED (05693185) - Active	✔
DODD MURRAY LIMITED (05865246) - Active	✔
YOU ASSET MANAGEMENT LIMITED (06150317) - Active	✔
QUILTER PRIVATE CLIENT ADVISERS LIMITED (06201261) - Active	✔
FORWARD THINKING WEALTH MANAGEMENT LIMITED (06413621) - Liquidation	✔
INTRINSIC WEALTH FINANCIAL SOLUTIONS LIMITED (06454171) - Active	✔
PREMIER WEALTH LIMITED (06501604) - Active	✔
LIGHTHOUSE DIRECT LIMITED (06742775) - Active	✔
INTRINSIC FINANCIAL SOLUTIONS LIMITED (06751080) - Active	✔
QUILTER FINANCIAL LIMITED (06784783) - Active	✔
INTRINSIC VALUATION SERVICES LIMITED (06926673) - Active	✔
CAERUS CAPITAL GROUP LIMITED (07069448) - Liquidation	✔
BEAUFORT ASSET MANAGEMENT LIMITED (07122971) - Active	✔
CAERUS WEALTH LIMITED (07296436) - Liquidation	✔
CAERUS WEALTH SOLUTIONS LIMITED (07296574) - Liquidation	✔
FREEDOM FINANCIAL PLANNING (MANCHESTER) LTD. (07415558) - Active	✔
CHARLES DERBY WEALTH MANAGEMENT LIMITED (07629860) - Active	✔
TBM FINANCIAL SOLUTIONS LTD (07647625) - Active - Proposal to Strike off	✔
CHARLES DERBY GROUP LIMITED (07670555) - Active	✔
BEAUFORT FINANCIAL PLANNING LIMITED (07876189) - Active	✔
THE BEAUFORT GROUP OF COMPANIES LIMITED (07902965) - Active	✔
INFINITI FINANCIAL PLANNING & INVESTMENT MANAGEMENT LIMITED (08008864) - Active	✔
MILESTONE FINANCIAL PLANNING LIMITED (08130634) - Active	✔
FINANCIAL CHAMBERS (NORTH WEST) LIMITED (08584848) - Active - Proposal to Strike off	✔
CHARLES DERBY PRIVATE CLIENTS LIMITED (08610405) - Liquidation	✔
NPL FINANCIAL LIMITED (08633497) - Active	✔
EUPHONY LIMITED (09079959) - Active	✔
CAERUS BUREAU SERVICES LIMITED (09280257) - Active	✔
CAERUS HOLDINGS LIMITED (09484126) - Liquidation	✔
LUCEO ASSET MANAGEMENT LIMITED (10150276) - Liquidation	✔
GALE AND PHILLIPSON HOLDINGS LTD (11253894) - Active	✔	✔
FINANCIAL LIFE PLANNING GROUP LTD (12398542) - Active	✔
FINLI ADVICE HOLDINGS LIMITED (13787580) - Active	✔	✔
YOU INVESTMENT GROUP LIMITED (13787596) - Active	✔	✔
FINANCIAL SERVICES ADVICE & SUPPORT LIMITED (SC219202) - Liquidation	✔
D G PRYDE LIMITED (SC263049) - Active	✔
INDEPENDENT FINANCIAL STRATEGIES LIMITED (SC270367) - Active	✔
ORKNEY IFA LIMITED (SC271575) - Active	✔	✔
MERLIN INDEPENDENT FINANCIAL ADVISERS LIMITED (SC496042) - Active	✔
GSGM FINANCIAL SERVICES LTD (SC502700) - Active	✔
KLRC FINANCIAL PLANNING LTD (SC561032) - Active	✔
BEAUFORT FINANCIAL (FORTH VALLEY) LTD (SC651182) - Active	✔

SHAREHOLDERS (BETA)

Shareholder name	Share class	Shares at confirmation date
Shareholder name	Share class	2018-10-14	2016-10-14	2015-10-14	2014-10-14	2013-10-14
GALE AND PHILLIPSON GENERAL FINANCIAL SERVICES LTD	ORDINARY	900 100%	0 0%	0 0%	0 0%	0 0%
GALE & PHILLIPSON FINANCIAL MANAGEMENT LTD	ORDINARY	0 0%	900 100%	900 100%	0 0%	0 0%
EASBY FINANCIAL MANAGEMENT LIMITED	ORDINARY	0 0%	0 0%	0 0%	900 100%	900 100%

SHAREHOLDINGS (BETA)

no shareholding data

CONTROLLED COMPANIES / CONTROLLING ENTITIES

- - >75%:Gale And Phillipson Holdings Ltd - active
  - 25-50%:Mr Gary Steven Novick - active
    25-50%:Mr Warren Friedland - active
    25-50%:Mr Gary Steven Novick - active
    25-50%:Mr Warren Friedland - active
    >75%:Remulate Limited (11815509 - United Kingdom) active
    >75%:Genesis Advisory Services (Uk) Ltd (07069969 - United Kingdom) ceased
    Significant influence or control:Genesis Capital Uk Ltd (09810085 - England & Wales) ceased
  - Significant influence or control:Mr Adam Joseph Galache Brown - ceased
  - Significant influence or control:Mr David Hugh Carr - ceased
  - Significant influence or control:Mrs Angelica Carr - ceased
  >75%:Gale And Phillipson Investment Services Ltd (05409822 - England & Wales) active
- 25-50%:Mr David Hugh Carr - ceased
- 25-50%:Mrs Angelica Carr - ceased
>75%:Gale And Phillipson General Financial Services Ltd (03751076 - England & Wales) active
- >75%:Gale And Phillipson Holdings Ltd - active
- - 25-50%:Mr Gary Steven Novick - active
    25-50%:Mr Warren Friedland - active
    25-50%:Mr Gary Steven Novick - active
    25-50%:Mr Warren Friedland - active
    >75%:Remulate Limited (11815509 - United Kingdom) active
    >75%:Genesis Advisory Services (Uk) Ltd (07069969 - United Kingdom) ceased
  Significant influence or control:Genesis Capital Uk Ltd (09810085 - England & Wales) ceased
- Significant influence or control:Mr Adam Joseph Galache Brown - ceased
- Significant influence or control:Mr David Hugh Carr - ceased
- Significant influence or control:Mrs Angelica Carr - ceased
>75%:Gale And Phillipson Investment Services Ltd (05409822 - England & Wales) ceased
25-50%:Mr David Hugh Carr - ceased
25-50%:Mrs Angelica Carr - ceased

Controlling entities above

GALE AND PHILLIPSON ADVISORY SERVICES LTD

no controlled companies

LATE PAYMENTS REPORT

This company has not filed any late payment reports possibly because it is not considered \'Large\'.

COURT CASES

No Court Cases found

PATENTS

No Patents found

COMPETITORS

(Based on Sic code: 65110 Life insurance)

Company	Registered Address	Company Number	YE Date	Revenue GBP	Net Profit GBP	Other SIC codes
SCOTTISH WIDOWS LIMITED	25 GRESHAM STREET, LONDON, UNITED KINGDOM, EC2V 7HN	03196171	2017-12-31	18,192,000,000	899,000,000
ROTHESAY LIFE PLC	THE POST BUILDING, 100 MUSEUM STREET, LONDON, UNITED KINGDOM, WC1A 1PB	06127279	2018-12-31	12,195,000,000	97,000,000
SCOTTISH EQUITABLE PLC	AEGON LOCHSIDE CRESCENT, EDINBURGH PARK, EDINBURGH, SCOTLAND, EH12 9SE	SC144517	2017-12-31	9,792,700,000	34,400,000
BAILLIE GIFFORD LIFE LIMITED	ATRIA ONE, 144 MORRISON STREET, EDINBURGH, EH3 8EX	SC182496	2018-03-31	5,139,666,000	1,600,000
PHOENIX LIFE LIMITED	1 WYTHALL GREEN WAY, WYTHALL, BIRMINGHAM, B47 6WG	01016269	2018-12-31	1,304,000,000	481,000,000
CANADA LIFE LIMITED	CANADA LIFE PLACE, POTTERS BAR, HERTFORDSHIRE, EN6 5BA	00973271	2017-12-31	940,100,000	326,100,000
COUNTRYWIDE ASSURED PLC	2ND FLOOR, BUILDING 4 WEST STRAND, WEST STRAND ROAD, PRESTON, LANCASHIRE, ENGLAND, PR1 8UY	02261746	2017-12-31	333,071,000	42,296,000
THREADNEEDLE PENSIONS LIMITED	CANNON PLACE, 78 CANNON STREET, LONDON, EC4N 6AG	00984167	2017-12-31	266,918,000	2,040,000	66300-Fund management activities
MGM ADVANTAGE LIFE LIMITED	CANADA LIFE PLACE, HIGH STREET, POTTERS BAR, ENGLAND, EN6 5BA	08395855	2017-12-31	183,391,000	5,702,000
WESLEYAN FINANCIAL SERVICES LIMITED	COLMORE CIRCUS, BIRMINGHAM, B4 6AR	01651212	2017-12-31	58,140,000	-3,964,000
INTEGRALIFE UK LIMITED	29 CLEMENT'S LANE, LONDON, EC4N 7AE	00798365	2018-09-30	45,279,000	16,177,000
TOKIO MARINE KILN SYNDICATES LIMITED	20 FENCHURCH STREET, LONDON, EC3M 3BY	00729671	2017-12-31	31,146,000	18,548,000	65120-Non-life insurance
UNUM LIMITED	MILTON COURT, DORKING, SURREY, RH4 3LZ	00983768	2017-12-31	12,206,000	1,775,000	65120-Non-life insurance
CAPITA LIFE & PENSIONS SERVICES LIMITED	65 GRESHAM STREET, LONDON, ENGLAND, EC2V 7NQ	04359665	2017-12-31	7,031,500	-1,964,426
LEAGOLD LIMITED	SOLAR HOUSE - PF 915 HIGH ROAD, NORTH FINCHLEY, LONDON, ENGLAND, N12 8QJ	01692041	2017-03-31	1,032,339	0	65120-Non-life insurance 65300-Pension funding
FRANK CORRIGAN & CO. LIMITED	5 SYCAMORE COURT BIRMINGHAM ROAD, ALLESLEY, COVENTRY, ENGLAND, CV5 9BA	02198916	2018-05-31	946,820	0	65300-Pension funding 66290-Other activities auxiliary to insurance and pension funding
MORTGAGE 65 LIMITED	RED ROSE COURT RED ROSE COURT, CLAYTON LE MOORS, ACCRINGTON, ENGLAND, BB5 5JR	06732518	2017-12-31	587,235	0	65120-Non-life insurance 66190-Activities auxiliary to financial intermediation not elsewhere classified 66220-Activities of insurance agents and brokers
STIRLING GENERAL INSURANCE SERVICES LIMITED	ASTON HOUSE, CORNWALL AVENUE, LONDON, ENGLAND, N3 1LF	02546908	2017-09-30	287,063	0	65120-Non-life insurance 65300-Pension funding
HALLMARK GRANGE FINANCIAL LIMITED	CRAVEN HOUSE 32 LEE LANE, HORWICH, BOLTON, BL6 7BY	04598272	2018-04-30	238,949	0
JMP ACTUARIAL LIMITED	9 CHART HOUSE, 6 BURRELLS WHARF SQUARE, LONDON E14, LONDON, E14 3TN	07267506	2018-05-31	202,500	0
NATHAN LIMITED	13 CYPRESS GROVE, DUNFERMLINE, FIFE, KY11 8AF	SC193725	2018-02-28	197,120	0	66290-Other activities auxiliary to insurance and pension funding
EPIC INSURANCE SERVICES LIMITED	150 MINORIES, LONDON, ENGLAND, EC3N 1LS	07014140	2018-12-31	184,261	0	65120-Non-life insurance
JOHN MOSEBY FINANCIAL SERVICES LTD	17 BRUNTS STREET, MANSFIELD, NOTTINGHAMSHIRE, NG18 1AX	04606586	2018-12-31	143,159	0
REDPATH FINANCIAL PLANNING LIMITED	UNIT 562 UNIT 562 WENTA BUSINESS CENTRE, COLNE WAY, WATFORD, ENGLAND, WD24 7ND	04589826	2018-04-30	98,622	0	65120-Non-life insurance 65300-Pension funding
E T M FINANCIAL PLANNING LTD	2 CHURCH COTTAGES THE BURY, LOCKING, WESTON-SUPER-MARE, ENGLAND, BS24 8BZ	07946651	2018-02-28	90,009	0	66290-Other activities auxiliary to insurance and pension funding
NEDTOWN LIMITED	11 CLEVELAND AVENUE, DRAYCOTT, DERBYSHIRE, DE72 3NR	04668300	2019-03-31	81,969	0
ANDREWS COMPLIANCE CONSULTANCY LIMITED	14 JULIANS ROAD, STEVENAGE, HERTFORDSHIRE, SG1 3ES	04015472	2016-09-30	69,928	0
FLEXIBLE FINANCE (MIDLANDS) LIMITED	11 PARK LANE BUSINESS CENTRE, PARK LANE, NOTTINGHAM, ENGLAND, NG6 0DW	08236476	2018-10-31	63,950	0
FRIAR BEST INSURANCE SERVICES LIMITED	MARKET HOUSE, 21 LENTEN STREET, ALTON, HAMPSHIRE, GU34 1HG	04737423	2019-04-30	0	0	65120-Non-life insurance 65201-Life reinsurance 65202-Non-life reinsurance
BEAZLEY GROUP LIMITED	22 BISHOPSGATE, LONDON, UNITED KINGDOM, EC2N 4BQ	04082477	0000-00-00	0	0	65201-Life reinsurance
LEGAL AND GENERAL ASSURANCE SOCIETY LIMITED	ONE COLEMAN STREET, LONDON, EC2R 5AA	00166055	0000-00-00	0	0
LIVERPOOL VICTORIA FINANCIAL SERVICES LIMITED	COUNTY GATES, BOURNEMOUTH, DORSET, BH1 2NF	12383237	0000-00-00	0	0	66290-Other activities auxiliary to insurance and pension funding
NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE)	TIDDINGTON ROAD, STRATFORD-UPON-AVON, WARWICKSHIRE, CV37 7BJ	00111982	0000-00-00	0	0	65120-Non-life insurance
PARTNERSHIP LIFE ASSURANCE COMPANY LIMITED	ENTERPRISE HOUSE, BANCROFT ROAD, REIGATE, ENGLAND, RH2 7RP	05465261	0000-00-00	0	0	65300-Pension funding
STANDARD LIFE ASSURANCE LIMITED	STANDARD LIFE HOUSE, 30 LOTHIAN ROAD, EDINBURGH, EH1 2DH	SC286833	0000-00-00	0	0
ZURICH ASSURANCE LTD	UNITY PLACE, 1 CARFAX CLOSE, SWINDON, WILTSHIRE, UNITED KINGDOM, SN1 1AP	02456671	0000-00-00	0	0

LIQUIDATION RISK (BETA)

This company is Active. Statistically, Active companies have a low probability of being liquidated within a year.
Here are our probability predictions:

Basis	Liquidation within 3 months	Liquidation within 6 months	Liquidation within 12 months	Prediction confidence
GALE AND PHILLIPSON ADVISORY SERVICES LTD	0.7%	3.9%	7.1%	Medium
Other companies Active in the same sector	0.6%	2.1%	6.0%	Medium


Age	0.3%	1.3%	2.4%	Medium
Company Type	0.7%	3.7%	7.4%	Medium
Accounts category	0.7%	2.2%	3.8%	Medium
Accounting Month	0.6%	6.1%	8.0%	Medium
Sic code count	0.7%	3.5%	7.0%	Medium