€1,370,000 tax paid

Stunning hand crafted Spirit of Tradition yacht

General Information

Manufacturer/ModelSpirit Yachts 60DH
DesignerSean McMillan
New or UsedUsed
Sale StatusAvailable
Tax/VAT StatusTax paid
LyingPort Grimaud, France


EngineSteyr 100hp
Engine Hours890
Fuel Capacity500l
Hull ConstructionWood/Epoxy
Keel TypeFin Keel
Drinking Water Capacity680l


Beyond beautiful, 100% hand-crafted, Spirit of Tradition short-handed performance deck house cruiser in sparkling condition with fantastic specification and 100% ready to go.


Without doubt one of the prettiest yachts afloat anywhere in the world today, the Spirit Yachts 60 Deck House strikes the perfect balance between classic style, modern performance, practicality, short-handed abilities and interior comfort. In this respect she has no peers.

Designed by Sean McMillan and hand-crafted in the UK for the very finest timbers, with ultra-modern aspects where needed, SPIRIT OF RANI was first launched in 2013 and has remained in the same ownership ever since. Her demanding and experienced owner had a specific design brief to create a yacht that would be easy to sail single or twin handed, could perform well on the racecourse and most importantly, would stop people in the tracks as they walk the dock. SPIRIT OF RANI fulfilled all these targets and more.

Built regardless of cost, employing the best of everything available, SPIRIT OF RANI boasts a fantastic specification, highlights of which include:-
• Douglas Fir and Khaya Mahogany planking, epoxy bonded with 12 coats of Durapox and 6 coats of Awlcraft 2000 clear epoxy varnish to create a haed-wearing, long-lived mirror wood finish.
• Raised deck house profile with upper and lower saloons. Upper navigation station for all-weathers navigation and excellent 360 degrees outward vision.
• Traditional interior construction in Mahogany with extensive use of solid timbers
• Lead bulbed performance keel with 38% ballast ratio and epoxy carbon sheathed blade rudder
• Steyr 100hp diesel engine with wet exhaust system
• Bowthruster
• Mastervolt electrics with twin chargers, inverter and galvanic isolator
• Battery banks replaced 2018
• Mastervolt Whipser 8kva generator
• Seafresh 220vAC reverse osmosis watermaker
• Webasto reverse cycle air-conditioning system
• 2x Fridges and freezer
• Electric freshwater flush heads
• B&G navigation equipment with 20/20 displays in cockpit, 4G radar and Simrad plotters above and below decks
• WiFi antenna
• Bose speaker system and TV and amplified mast antenna
• Custom Spars carbon fibre rig with Harken battencars and Switch track for easier mainsail handling
• Electric genoa furling with sub-deck furler
• Harken electric winch package in polished stainless steel
• Furling reacher sail
• Quantum Sails package - 2021
• Tender and outboard

Beautifully kept and fastidiously maintained, SPIRIT OF RANI is now offered to make way for a smaller day/weekender and is priced substantially below a new-build project price.


I always wanted to have a classic looking sailing yacht, but with the performance and comfort of a new and modern example. Only very few shipyards were able to offer such a type of yacht, and Spirit Yachts were able to design a deckhouse concept for me, and offer the supreme quality of work I was looking for.

The plan was to do some extensive sailing in the Caribbean with my wife (short-handed), which we did for 3 seasons. Thereafter we brought SPIRIT OF RANI back to Europe. Having enjoyed sailing her twin-handed around Sardinia and Corsica, we headed to the South of France, where SPIRIT OF RANI can now be found and is now offered for sale to make way for a smaller day/weekend cruiser.

It is without a doubt that the next owner of SPIRIT OF RANI will be a person who appreciates the first class quality build, beauty and ease of handling, as well as the great performance, proven by our results while in the Caribbean. SPIRIT OF RANI is designed in such a way, that she can be handled by just one person without any problems, which I have done on many trips. Her mahogany hull is an eye-catcher and receives continuous appreciates from most sailing enthusiasts. It is therefore with a very heavy heart that SPIRIT OF RANI must now find her new custodian.


“The deckhouse range is designed with the option for long distance cruising in comfort, with full visibility and easy communication from the helm but with a style and performance that's very hard to find these days.”
Sean McMillan – Head designer and CEO Spirit Yachts


The Spirit DH60 was first launched from the Spirit yard in 2013, and in the same year she made her racing debut at the Antigua Classics. Proving Spirit Deckhouse designs are more than capable of competing successfully, the DH60 picked up three ‘First of Class’ awards, including a first in class, concours class win and first in the single-handed race.

The brief for the first 60-foot Spirit Deckhouse was a classically designed yacht set up for easy short-handed sailing that was comfortable enough to spend long periods of time living onboard. The result was a stylish, yet practical yacht.

As with all deckhouse Spirits, the raised coachroof with panel windows provides near-360 degree views of the horizon. An interior a navigation table within the deckhouse offers a helm position protected from the elements. The raised coachroof also houses a great social area with port and starboard sofas. Natural light floods in from the panel windows and crew and guests can watch the passing coastline or horizon in comfort.

The DH60 is primarily a cruising yacht but as mentioned above she can be adapted to compete at regattas if required. Her lightweight hull, carbon spars and modern deck equipment facilitate performance sailing for both cruising and racing.



RCD Status:
• Our understanding is that this vessel complies with the European Union Recreational Craft Directive and is categorised A – Ocean.

Hull Construction:
• Hull constructed from Douglas Fir planking over male mould, 20mm scantling x 50mm cover, epoxy bonded.
• Planking overlaid with two layers 3mm Khaya veneers laid at 45 degrees to planning, epoxy bonded.
• Final layer of mahogany planking laid fore and aft to follow sheerline, the whole then bright finished.
• The hog, keel, stem, stern post and horn timber all constructed from solid or laminated straight grain Douglas Fir.
• Beam shelf from laminated Douglas Fir.
• All floors, engine beds, keel and mast support from solid Mahogany
• Fourteen major ring frames fitted along the hull from laminated mahogany.
• Cap shroud ring frame (90mm moulded by 80mm sided) forms the primary chain plate mount and transmits the loads to hull and keel bearing.
• The bulkheads at the fore end of the fore cabin and at the forward end of the cockpit are completely sealed and form watertight crash bulkheads.
• The engine room bulkheads are watertight up to the deck saloon sole.
• All piercings of watertight bulkheads for cabling, ducting, and pipework fitted with suitable glands and pass through the bulkheads as high as possible.
• The hull is further stiffened by fitting all the internal furniture in plywood bonded to the hull to form a monocoque structure.
• All plywood used is BS1088 and manufactured to LR marine grade specification.
• Cove line rebated into hull with gold Awlgrip finish.
• Signwriting of name and port of registry to transom using genuine gold leaf.
• The hull is coated below the waterline with self-polishing antifouling paint.
• The Mahogany hull is coated with 12 coats of Durapox over the bare wood, sanded fair, further 3 coats of Awlcraft 2000 clear, sanded fair and further 3 coats applied.

Deck & Superstructure Construction:
• All deck beams in laminated Brazilian cedar, integral to ring frames where specified.
• Structural bulkheads in 12mm plywood, braced with solid mahogany and stainless steel tie-bars if necessary.
• The beams are overlaid with 1 layer of 12mm plywood, scarf jointed and then laminated with a 7mm thick laid teak deck, swept to the gunwale line with margin boards and king planks fitted in teak.
• Decks painted with Sikaflex DC.
• All hatches have teak margin board surrounds with no end grain showing.
• Full length bulwarks fitted as part of the hull structure, bright finished inboard with capping rail running to a low swept taffrail surrounding the stern.
• Cockpit constructed from solid mahogany on a marine plywood substructure, bright finished, with teak inlaid seating.
• Deckhouse constructed in bright finished mahogany over laminate substructure.
• Sliding mahogany hatch fitted on stainless steel runners in garage.
• The deckhouse has 11 windows build from 8mm laminated safety glass

Keel & Rudder:
• The keel is of the flattened bulb type for maximum righting moment and with optimum high/low pressure separation across the keel assured by bulb form, with vortex tip for minimal drag.
• The keel blade is optimized for performance built to NACA section design, constructed in high strength SG steel.
• The ballast bulb is cast in lead with approx. 4.5% antimony with an integrally cast matrix to join bulb and blade.
• The keel weighs a total of 6,200kg and is through bolted to the hull with five 35mm keel bolts through the centerline plus ten 25mm bolts around the outside of the keel plate matrix.
• The keel is faired and coated with epoxy barrier coating before painting.
• The keel is fitted to the yacht in a manner that facilitates the removal of the keel if required at any point in the future (jointing seam line visible).
• Provision allowed for up to 300kgs of trim ballast if required.
• Rudder blade manufactured as a multi-laminate timber blade, epoxy carbon sheathed and fitted on a solid 90mm machined stainless steel stock.
• The rudder has winglets and a vortex tip for maximum control.
• The rudder stock rotates in self-aligning bearings top and bottom fitted with O rings.
• The rudder quadrant is fitted to the stock with a drilled machined clamp.
• Autopilot steering arm machined and fitted to stock.
• The top of the rudder stock is machinery to take an emergency tiller.
• The emergency tiller is stowed under the portside lazarette hatch lid.


Engine & gearbox:
• Steyr 100hp turbo diesel inboard, indirect cooled.
• KM35A1 Marine gearbox. 2.6:1 gearbox ratio, 8 degree down drive angle.
• Wet exhaust system with water sump and swan neck to outlet under counter.
• The engine is mounted centrally in the deckhouse area. The engine bilge is separated from the main bilge area.
• Engine space fully sound proofed with 50mm high performance insulation. Engine intake air drawn from baffled venting in vent box sited between front of deckhouse and aft of the centreline skylight. Engine air also drawn through locker in the deckhouse.
• Engine and drive train in-line, soft mounted with flexible coupling for minimal vibration.
• Engine raw water intake fitted with heavy duty coarse filter.
• Engine fitted with hot water take-off for calorifier.
• 3x engine room blowers (1x automatic and 2x manually switched)
• All machinery, pumps, filters, motors etc. flexibly mounted to reduce vibration and noise and have drip trays positioned beneath them.

Maintenance and Performance:
• Approx engine hours: approx 890 hours as of Summer 2021
• Engine regularly serviced.
• The main engine has been maintained in accordance with the Manufacturers’ recommendations
• Range (Cruising): approx. 660nm.
• Engine speed: 9.8 knots.

Propulsion & Steering:
• 35mm Duplex stainless steel prop shaft through bronze P bracket to 4-bladed Gori fully feathering propeller.
• Inboard shaft bearing flexibly mounted.
• Sidepower 90kgf (7kW) duo-prop bowthruster fitted in GRP with joystick control at helm pedestal.
• Engine control panel near helm position with full instrumentation and audible alarms.
• Single lever side-mounted throttle/shift control at binnacle.
• Steering is by direct chain and wire drive.
• Wheel mounted to shaft on double bearings in binnacle, chain over sprocket drive on keyed shaft. Chain to wire splices runs over articulated sheaves to quadrant.
• Wheel custom built in laminated mahogany rim with high strength invisible carbon fibre core.
• Five pairs of stainless steel spokes support the rim.
• Wheel brake fitted.
• Wheel diameter 1.3m, 3.0 revolutions lock to lock.
• Quadrant stops at 35 degrees either side of CL.
• Mahogany binnacle with turned top and bottom and octagonal classical fluting to body.
• Binnacle fitted with 5” Danforth or Rigel compass with compass light and dimmer switch.
• Anchor up and down control with meter reading fitted to binnacle.
• Rudder position indicator in autopilot head via transmitter on rudder stock.


Voltage systems:
• 24vDC domestic system with 12vDC starting circuits and 220vAC via shore power, generator or inverter

Battery Banks:
• 1x 12vDC engine start battery – 2018
• 1x 12vDC generator start battery – 2018
• 4x 12vDC AGM service batteries joined in parallel and series to provide 24vDC – July 2021

• Mastervolt MASS 24/50 50Amp 24vDC charger for service bank
• Mastervolt IVO 12/10 10Amp 12vDC charger for start batteries
• Mastervolt 24/1000 1kw sinewave inverter
• Mastervolt control panel at chart table

• High output 24vDC engine-mounted alternator with 12vDC charge facility via splitter diode

• Mastervolt Whisper 8kva 50Hz 220vAC diesel generator
• Integral 35Amp 12vDC alternator
• Injected exhaust systems to water/gas separator.
• Water gravity discharge through hull below the waterline, with a gas to outlet under the counter.
• Check valves in counter skin fittings.
• Full instrumentation at chart table.
• Soft mounted on base plate in machinery space, full sound shields fitted.
• The heat exchanger is linked to the hot water calorifier to augment the hot water supply.
• Generator has separate seawater intake with coarse filtration fitted.
• Generator has stop/start at AC panel at the chart table.
• Generator hours: approx 890 hours as of July 2021

Other Electrical:
• Mastervolt, chrome socket and plug 32 amp in aft self-draining gas bottle locker.
• Shore cable of 10m and further extension cable of 15m
• Shorepower fitted with Mastervolt 7kva galvanic isolator.
• 220v ringmain fitted around the vessel with sockets to each cabin and bathroom.
• Circuit breakers for battery chargers and inverters.
• Circuit breakers for onward distribution


Fresh Water:
• Hot water system fitted with a 60 litre calorifier, mounted in the engine space. Fabricated from marine grade stainless steel with a 750w 240v AC heater element.
• Calorifier connected to both generator and the main engine via diverters to enable waste heat to be used effectively.
• Cold water feed via an inlet combining pressure relief valve and non-return valve.
• Calorifier circuit fitted with all necessary safety devices – particularly thermostat, thermometers, non-return valves and pressure relief valves.

• Seafresh fully automatic Watermaker fitted, model H203, producing 50 litres per hour by reverse osmosis. 240vAC powered.
• Watermaker laid up 2017

Bilge Pumps:
• Electric bilge pumps with indicators and manual overrides at chart table
• Manual bilge pump in cockpit drawing from main bilge sump

Grey & Black Water:
• Heads discharge outboard or to black water tanks via diverter valves
• Blackwater holding tanks can discharge to sea or to land via s/s deck fillers
• All showers and sinks discharge directly outboard


• Fuel capacity 500 litres
• Tank manufactured from high grade opaque white polyethylene so that the level can be clearly seen.
• Fuel tank filler fitted with anti-splash reservoir draining to tank and no-smell filter to breather.
• Tank professionally cleaned – Autumn 2020

Fresh Water:
• 680 litres in 2x 340 litres tank
• Tank manufactured from high grade opaque white polyethylene so that the level can be clearly seen.

Holding Tanks:
• 2x stainless steel blackwater holding tank with combined capacity of 170 litres


In Cockpit:
• B&G autopilot control, incl. rudder indicator connected to B&G T2 autopilot fitted, hydraulic linear drive ram system.
• Simrad GPS chartplotter and Broadband radar repeater
• B&G read outs at deckhouse aft face (port). 20/20HV multi-function display x 2.
• B&G read outs at deckhouse aft face (starboard). 20/20HV multi-function display x 2.
• Steering compass

At chart table:
• B&G autopilot remote control
• Simrad GPS chartplotter and broadband radar
• B&G GFD multi-function display (master)
• Further multi-function monitor fitted in owner’s cabin.
• B&G Hydra G3000 CPU computer.
• B&G Halcyon 2000 compass sensor.

Communications Equipment:
• Simrad VHF to current GMDS requirements, DSC enabled.
• Simrad VHF speaker in cockpit
• Icom waterproof handheld VHF.
• VHF antenna fitted at masthead.
• Wi-Fi internet receiver fitted at masthead.


• Three burner hob, grill, oven fitted on gimballed mount.
• Twin stainless steel sinks
• Front loading refrigerator – approximately 120 litres.
• Polyethylene top loading freezer – approximately 46 litres.
• Additional fridge fitted, approximately 46 litres.

• Tecma Prestige 24vDC freshwater flush electric heads
• All inlet feeds to WCs fitted with shut-off valves.
• All WCs completely independent and isolated for servicing.
• Hot & cold pressured showers in all heads

Heating & Ventilation:
• Webasto 220vAC reverse cycle air conditioning system with six outlets throughout interior.
• Chiller unit soft-mounted in main generator space for reduced noise/vibration during operation.
• The engine room has a dedicated air-in vent in the skylight side.
• There are ten flush mounted ventilation or escape hatches as seen on the deck plan.
• Two cowl vents fitted with dorade boxes to allow natural ventilation when the yacht is closed.
• All lockers, cupboards, wardrobes etc. fitted with ventilation louvres.
• All heads compartments doors fitted with ventilation louvres in the top and the bottom.

• Cabin lighting LED
• LCD TV with mast-mounted antenna
• CD/Radio system connected to Zeus navigation plotters
• Bose loud speaker system with speakers internally and in cockpit


Summary of Accommodation:
• Up to eight berths consisting of two double cabins, a further crew berth cabin below deckhouse, converting deckhouse seating to create a double berth and an occasional settee berth in saloon. Two heads compartments with shower.

Accommodation Finish:

• All principal interior areas are fitted out in a traditional style with fielded and raised mahogany throughout, hand rubbed and polished.
• Where the interior is required to be finished in polished mahogany, the mahogany is cut out of solid material only. SPIRIT OF RANI has no veneers anywhere.
• All fine joinery, trim, doors, panelling etc. created from the finest quality mahogany stock.
• All door and larger panels cut from solid stock, mirrored and book-matched before use.
• All interior woodwork, bilge areas, insides of space, cupboards and so on are coated in multiple layers of epoxy resin paint finish.
• The interior of drawers, cupboards etc. are varnished rather than painted.
• All interior surfaces are finished in white eggshell paint or a combination of satin and gloss varnish
• Major structural or watertight bulkheads are constructed from 12mm plywood, scarfed and braced as necessary.
• All furniture is constructed of 9mm plywood, bonded and filleted to the hull.
• The furniture is considered as a contributing part of the monocoque nature of the structure as a whole.

Description of Accommodation from Forward:
• The owners’ stateroom forward has a double berth forward with ample lockers to port and starboard and plenty of natural light through a larger deckhead hatch.
• The owner’s cabin is served by an ensuite heads and shower.
• Aft of the owner’s cabin is the main saloon which features a large U-shaped settee to port with dining table and a further sofa area to starboard.
• Aft of the starboard saloon area is the well-equipped galley.
• To port and aft of the main settee area is the day heads with a guest double cabin accessed aft of this.
• Stepping up from the main saloon is the raised deck house which features a forward-facing navigation station with settee seating to aft to port and starboard.
• To starboard in the raised saloon is access to a small single crew/guest berth cabin, plus additional converting double berth on the starboard settee.
• The raised deck house provides excellent outward vision for protected navigation under passage.


• Custom Southern Spars carbon fibre rig spray-painted in Awlgrip.
• Fractional tapered mast, keel stepped with three sets of swept-back spreaders.
• Standing rigging in carbon or discontinuous stainless steel rod – 2012/13
• Bartels 24vDC genoa furling with sub-deck drive system, controlled from helm position.
• All halyards run internally, exiting above deck to be led to turning blocks around the mast collar.
• Genoa halyard exits starboard side to hydraulic ram with a removable halyard tail.
• Main halyard exits on the port side.
• Lazyjacks fitted in Dyneema with sufficient strength to support the lowered mainsail and boom if required.
• All shrouds fitted with stainless steel rigging screws.
• Mast fitted with Harken batten car track system for fully battened mainsail. There is a Switch track system fitted to reduce stacked height.
• Backstay in Kevlar, hydraulic ram control.
• Mast collar with flange to bolt to deck and including turning block mounts.
• Hydraulic mast jacking system at base of mast.
• Reefing lines led through the boom to the gooseneck, then to deck turning blocks.
• Boom vang fitted, hydraulic ram type.
• Clew outhaul fitted, controlled with hydraulic ram within the boom.
• Navtec manual hydraulic system with four controls fitted near helm position. This is to control the backstay, mainsail outhaul, boom vang and genoa halyard tension.
• All deck gear and blocks built by Schaeffer in mirror polished stainless steel.
• Genoa tracks fitted with high load stainless cars.
• 10 turning blocks at the mast base.
• Mainsheet on traveller fitted in cockpit with 4:1 controls with jammers to traveller car.
• Spinnaker turning blocks fitted to aft quarters.
• All bearings plain high load type – no ball or needle roller bearing blocks used in high load applications.
• Mast collar and deck plate in stainless steel incorporating halyard bail forward. Mast held with Spartight to minimum of 100mm depth.
• Furling equipment for reacher sail

• Harken polished stainless steel winch package with self-tailing winches throughout
• 5x electric sheet and halyard handling winches
• 3x manual winches


• Quantum Fusion full-battened mainsail with two reefs and carbon fibre battens – Autumn 2021
• Quantum Fusion 110% genoa with leach and foot control – Autumn 2021
• ONE Sails furling reacher – 2013 (hardly used and with new swivel 2021)

• Twin guard wires fitted to tapered stainless steel stanchions fitted to custom made sockets sunk into the capping rail around the gunwale. These stanchions screw in and out of the sockets so they are easily removed for racing.
• Prismatic glass deck lights fitted to amplify internal light.
• Mahogany ensign staff recessed flush into aft deck.
• Folding boarding ladder custom made in stainless steel.
• 1.5m passarelle with two pin deck mounts. Cockpit self-draining via cross-over pipes fitted with seacocks.
• Smaller drains at the most outboard parts of each cockpit for effective heeled draining.
• Dedicated locker space provided in the starboard cockpit locker for liferaft and emergency equipment stowage.
• Large cockpit locker port for stowage of warps, fenders etc. and access to the steering space.
• Large cockpit table with opening flaps for dining. Table can be stored in one of the lockers.
• Small cockpit locker in table for stowage of sail ties, winch handles etc.
• Large deck hatch provided in foredeck for access to anchor windlass, the roller reefing drive and stowage for ground tackle. Connections to fit a washing machine are installed.
• Large deck hatch provided in aft deck (port side) for access to tender and outboard storage space.
• Large deck hatch provided in aft deck (starboard side) for access to sail and general stowage.
• Small deck hatch in starboard side deck giving access to sealed self-draining gas bottle locker.
• Small deck hatch on port side giving access to an outdoor shower.
• There are multiple stowage lockers built into the forepeak and lazarette spaces.

Anchoring & Mooring:
• Double roller balanced bow anchor chute built into stemhead.
• Lewmar 24vDC electric windlass with warping/chain gypsy and brake.
• Operation from pedestal with meter reading and by wandering handheld control, plug in lead with chain counter.
• Main anchor 25kg Delta type mated to 70m x 10mm calibrated chain.
• Kedge anchor 18kg Fortress type mated to 10m x 10mm chain and 100m x 20mm dia multiplait mooring warp.
• Heavy duty chainstopper
• Chain self-stows in chain locker.
• 8 mooring cleats.
• Warps & fenders

Tender & Outboard:
• 3.6m Highlander Aluminium floor dinghy.
• 8hp 2-Stroke Yamaha engine.

Covers & Canvas:
• Fitted UV resistant mainsail cover
• Fitted UV resistant wheel cover
• Deckhouse cover.
• Full bimini from backstay to mast.

Navigation and Deck Lightings:
• Deck flood lights fitted to lower spreaders.
• Mast uplighters fitted to all spreaders.
• Downlights fitted in boom at aft end over cockpit.
• Steaming light fitted to fore side of mast.
• All round white anchor light fitted to mast head.
• All lights are LED, Lopolights where suitable.


General note on safety equipment: Any safety equipment such as liferafts, Epirbs, fire extinguishers and flares etc. are usually personal to the current owner(s) and if being left on-board as part of the sale of a used vessel may require routine servicing, replacement, or changing to meet a new owners specific needs.

• 1 x 8 man SOLAS approved liferaft with A survival packs
• 8 x Adult lifejackets with harness, light and whistle.
• 2x lifeline for the full length of the deck.
• 1 x SOLAS offshore flare kit.
• 1 x SOLAS flare container.
• 1 x Horseshoe type lifebuoy.

Fire control:
• Multiple portable fire extinguishers as required by IMCI.

Viewing arrangements

Lying – Afloat, Port Grimaud, France

Available to view strictly by appointment

Office Hours Mon- Fri 0900 – 17.00
Saturday by prior appointment

For more information or to arrange a viewing please contact us.

Tel: +44 (0)1590 673715
Email: enquiries@grabauinternational.com

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    Grabau International offers the details of all vessels in good faith but cannot guarantee or warrant the accuracy of this information or warranty the condition of any vessel and the details do not constitute a part of any contract. A buyer should instruct his agents, or his surveyors, to investigate such details as the buyer desires validated. All vessels are offered subject to prior sale, price change, or withdrawal without notice. Grabau International provides professional yacht conveyancing and legal transfer of title for all yachts as per the ABYA Code of Practice with all deposit payments and final balance payments processed through secure dedicated client accounts solely for that purpose. Our dedicated client accounts are written in trust at Natwest Bank and we are fully insured.