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This site is crazy :) http://www.protestant-press.com/essay-research.pdf#scripts personal code of ethics essay Guy Simmonds, head of protection and investment products at Nationwide Building Society, said the extra cost was down to advice given to the customers by salesmen in branches. He said: "Nationwide offers high-quality protection, backed by face-to-face advice available nationally on the high street, at the same price as is available directly from the insurer. Seeking advice, particularly given the need for correct disclosure and completion of forms, is very important when it comes to ensuring customers gain the protection cover they require."