1.   A policy Studies Institute report concluded that specialist money advice was helpful to debtors, particularly multiple debtors.

2.   A range of specialist advice is available to Polytechnic students in general through Student Services.

3.   Full use should be made of visual aids and internal specialist advice should be taken.

4.   Investing in specialist advice to squeeze more from fertiliser inputs now could help you stay in front of those changes.

5.   Where the realisation of a hazard could give rise to significant consequences to people and the environment, then specialist advice should be obtained if necessary.

6.   Once the nature of the business has been discussed and key concerns identified it is necessary to consider in what areas specialist advice should be sought.

7.   The provisions are complex and specialist advice should be sought.

8.   Australian allrounder Steve Waugh is to seek specialist advice after failing to recover from a persistent shoulder injury, he said Thursday.

9.   Young paid tribute to Crowe, who helps out coach Steve Rixon by offering specialist advice to the New Zealand batsmen.

10.   McKinnon said the island government faced some hard decisions and New Zealand was ready to offer specialist advice in that area if requested.