Don't pour money down the drain Small changes in how you use your water - from turning off the tap while brushing your teeth to not over-filling the kettle - can have a big impact. As well as doing your bit for the environment, you can save money too.

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Jack Lockton, Chairman of the Board of Lockton Companies, began his business career as a surety bond underwriter for the Glens Falls Insurance Company (now CNA) in 1964. In 1966, he left Glens Falls to join his mother and father’s insurance firm as their first employee. The Lockton Companies has grown to become the eighth largest retail insurance broker and the largest independently owned broker in the United States. Lockton Companies employs nearly 1,800 associates in 15 cities and is involved throughout the country in major brokerage assignments. Their clientele includes a number of Fortune 500 companies.