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Michael Fardon has extensive teaching experience of a wide range of banking, business and accountancy courses at Worcester College of Technology. He now specialises in writing financial and accounting texts and is Publishing Director at Osborne Books. He is also an educational consultant and has worked extensively in the areas of Key Skills and curriculum development.Jo Osborne is a Chartered Accountant who trained with Ernst & Young in their London office. She then moved to Cable & Wireless where she spent two years in their internal audit department before moving into an investment appraisal role. Jo has taught AAT at Hillingdon College and until recently at Worcester College of Technology where she took on the role of AAT Course Co-ordinator.