Test

Test

conference call

A conference call is a telephone call in which the calling party wishes to have more than one called party listen in to the audio portion of the call. The conference calls may be designed to allow thecalled party to participate during the call, or the call may be set up so that the called party merely listens into the call and cannot speak. It is often referred to as an ATC (Audio Tele-Conference).

Conference calls can be designed so that the calling party calls the other participants and adds them to the call - however, participants are usually able to call into the conference call themselves, by dialing into a special telephone number that connects to a "conference bridge" (a specialized type of equipment that links telephone lines).

Companies commonly use a specialized service provider who maintains the conference bridge, or who provides the phone numbers and PIN codes that participants dial to access the meeting or conference call.

Three-way calling is available (usually at an extra charge) for many customers on their home or office phone line. To three-way call, the first person one wishes to talk to is dialed. Then the Hook flash button (known as the recall button in the UK and elsewhere) is pressed and the other person's phone number is dialed. While it is ringing, flash / recall is pressed again to connect the three people together. This option allows callers to add a second outgoing call to an already connected call.

Car insurance

United Kingdom

In 1930, the UK government introduced a law that required every person who used a vehicle on the road to have at least third party personal injury insurance. Today UK law is defined by the Road Traffic Act 1988, which was last modified in 1991. The Act requires that motorists either be insured, have a security, or have made a specified deposit (£500,000 as of 1991) with the Accountant General of the Supreme Court, against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places.

The minimum level of insurance cover commonly available and which satisfies the requirement of the Act is called third party only insurance. The level of cover provided by Third party only insurance is basic but does exceed the requirements of the act.

Road Traffic Act Only Insurance is not the same as Third Party Only Insurance and is not often sold. It provides the very minimum cover to satisfy the requirements of the Act. For example Road Traffic Act Only Insurance has a limit of £1,000,000 for damage to third party property - third party only insurance typically has a greater limit for third party property damage.

It is an offence to drive a car, or allow others to drive it, without at least third party insurance whilst on the public highway (or public place Section 143(1)(a) RTA 1988 as amended 1991); however, no such legislation applies on private land.

Vehicles which are exempted by the act, from the requirement to be covered, include those owned by certain councils and local authorities, national park authorities, education authorities, police authorities, fire authorities, health service bodies and security services.

The insurance certificate or cover note issued by the insurance company constitutes legal evidence that the vehicle specified on the document is insured. The law says that an authorised person, such as the police, may require a driver to produce an insurance certificate for inspection. If the driver cannot show the document immediately on request, then the driver will usually be issued a HORT/1 with seven days, as of midnight of the date of issue, to take a valid insurance certificate (and usually other driving documents as well) to a police station of the driver's choice. Failure to produce an insurance certificate is an offence. The HORT/1 is commonly known - even by the issuing authorities when dealing with the public - as a "Producer".

Insurance is more expensive in Northern Ireland than in other parts of the UK.^{[vague][citation needed]}

Most motorists in the UK are required to prominently display a vehicle licence (tax disc) on their vehicle when it is kept or driven on public roads. This helps to ensure that most people have adequate insurance on their vehicles because an insurance certificate must be produced when a disc is purchased^{[citation needed]}.

The Motor Insurers' Bureau compensates the victims of road accidents caused by uninsured and untraced motorists. It also operates the Motor Insurance Database, which contains details of every insured vehicle in the country.

[edit]United States

In the United States, auto insurance covering liability for injuries and property damage done to others is compulsory in most states, though different states enforce the requirement differently. The state of New Hampshire, for example, does not require motorists to carry liability insurance (the ballpark model), while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance.^[8] Penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.

Some states, such as North Carolina, require that a driver hold liability insurance before a license can be issued.

Some states require that you carry proof of insurance in your car at all times, while others do not enforce this law. For example, North Carolina does not specify that you must carry proof of insurance in your vehicle; however, NC does state that you must have that information to trade with another driver in the event of an accident. Whether a state specifies you must have proof of insurance in your car or not, it's always advisable to have the information on hand in case an officer should request it.

Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date.^[9]

How to Donate Your Car

Donating to charity is a relatively painless way to get rid of a car when you don't have the time to sell it or don't think you can get what it's worth. While not every car is acceptable, donating a car to a charity lets you deduct its fair market value from your taxable income.

1. Find a charity that accepts cars without charging a large removal fee. Make sure the organization is a registered 501(c)(3) charity or qualified religious organization that can lawfully accept your donation and from which you can lawfully claim a deduction.

2. Step2

   Determine the fair market value of your car. According to the IRS, you are responsible for determining this; use the Kelley Blue Book or IRS Publications 526 ("Charitable Deductions") and 561 ("Determining the Value of Donated Property"). If it's worth $5,000 or more, have the car appraised by a certified professional.

3. Step3

   Get a tax receipt with the charity's name and federal tax ID number, donor's name, date of donation, as well as the year, make and model of the donated car.

4. Step4

   Notify the DMV and your insurance company that you no longer own or insure the vehicle. Follow state regulations on what to do with the title and plates. Keep your receipt and completed IRS Form 8283 for tax time

Kwik Fit

Kwik Fit, the British car servicing and repair company, opened in 1971. In response to customer demand, Kwik Fit Insurance, part of Kwik Fit Financial Services, was formed in 1995 and has grown to become one of the UK’s leading car insurance distributors.

Originally employing 130 staff at a single site in Lanarkshire, Scotland, Kwik Fit Insurance has expanded to host almost 1200 employees and now incorporates a second site following the 2007 acquisition of Birmingham based Express Insurance.

Kwik Fit Insurance core business remains car insurance but they have added consistently to their stable in recent years and can now boast a strong home insurance book, an extensive range of additional car insurance products alongside van, motorbike, pet and travel insurance.

Arsenal Set To Sign Bordeaux Striker Marouane Chamakh In The Summer

Arsenal Set To Sign Bordeaux Striker Marouane Chamakh In The Summer - Report

By Sumeet Paul

04-Apr-2010 12:44:00 PM

Arsene Wenger has ear-marked Marouane Chamakh asArsenal's first summer signing according to the Mail on Sunday.

Having been linked with a move to the Gunners in recent months, it's believed the long running saga for Chamakh's signature will finally end with him joining Arsenal on a free transfer when his contract expires at Bordeaux in the summer.

Chamakh, who scored in the Champions League quarter-final first-leg against Lyon, will add much-needed goals to an Arsenal squad which has been lacking a real cutting edge up front following the injury to Robin van Persie and several other key first team members.

The news of injecting additional firepower into the ranks will be met with some relief by Arsenal fans, who have seen Nicklas Bendtner as the only striker capable of leading the line this season in Van Persie’s absence.

Having helped his side to the French Ligue 1 title last season, while topping the goal scoring charts, Chamakh will be hoping to ensure back-to-back titles as Bordeaux currently sit third, just a point behind joint-leaders Lyon and Montpellier with two games in hand.

Zlatan to miss Arsenal return after calf injury

Zlatan to miss Arsenal return after calf injury
By Soccernet staff
April 3, 2010

Barcelona striker Zlatan Ibrahimovic has been ruled out of Tuesday's Champions League quarter-final second leg against Arsenal through injury.

• La Liga: Barca reserves blow away Bilbao
• Palmer: Bendtner spares Walcott's blushes


GettyImages
Ibrahimovic scored two goals against Arsenal in the first leg
The Sweden international suffered a calf injury whilst warming-up for Saturday's Primera Division clash with Athletic Bilbao and, after being replaced in the line-up by Bojan Krkic, underwent initial tests this evening.
According to the Barca website, those tests confirmed that Ibrahimovic has suffered a small tear in his right calf and is out of the return meeting with Arsenal and is a doubt for next weekend's 'Clasico' with Real Madrid at the Bernabeu.

Ibrahimovic scored both goals as Barca drew the first leg of their quarter-final tie with Arsenal 2-2 at the Emirates Stadium last Wednesday, taking his tally to five goals in four games.

Centre-back Gerard Pique, who is suspended for the Arsenal match, is also a question mark for the match against Madrid as he suffered a thigh injury that could keep him sidelined for up to seven days.

Aston Villa: Martin O'Neill tells players to follow Barcelona and Arsenal's example

Aston Villa: Martin O'Neill tells players to follow Barcelona and Arsenal's example

Apr 3 2010 by Mathew Kendrick, Birmingham Mail

O’Neill, along with the rest of football, was captivated by the quarter-final tie at The Emirates on Wednesday evening.MANAGER Martin O’Neill has challenged Villa to aspire to the level of Barcelona and Arsenal after instructing his players to watch the Champions League classic.

And the boss believes all teams should be inspired by the feast of football which ended in a 2-2 first-leg draw.

O’Neill has told his top-four contenders they must strive to replicate Barcelona’s style and Arsenal’s spirit.

“I’ve been thrilled with a lot of progress of the players at the club who are, despite everything, showing enormous character and ability,” he said. “I said to the players ‘whatever you do, do not forget to tune in and watch Barcelona and Arsenal and that is where every single football club worth its salt wants to go’.

“They want to play like Barcelona and show the character that I believe Arsenal showed. But for Arsenal to be out-Arsenaled by Barcelona, that is the stuff of dreams, and that is what every single club should aspire to and that would be the ambition for these players.”

O’Neill believes qualifying for the Champions League is still a realistic prospect for Villa this season.

“The team is improving and despite the poor result (at Chelsea), we shouldn’t be put off by that,” he added.

Life insurance: why there’s no need to be a desperate housewife

Life insurance: why there’s no need to be a desperate housewife

by: Rachel Lane

Contemplating what may happen to your wife (or husband) and children if you die is not likely to be a thought you wish to contemplate. However, avoiding the issue may make life more difficult for your family after your death. Life insurance looks set to make a comeback in the UK, after a period of neglect by consumers who were simply occupied with affording a home. The stabilising of the UK house market has made many consumers take a broader view to their personal finances. LifeSearch (a life insurance broker), in the September issue of Money Observer, highlighted a few common mistakes people make when purchaseing life insurance: * Believing life insurance is relevant to everyone Life insurance is only relevant to people who have financial dependents. If you have no financial dependents, it might be more appropriate to consider income protection or critical illness insurance. * Paying too much for life insurance According to Money Observer, research for Sainsbury’s Bank Life Insurance revealed that many people take life insurance policies from their mortgage providers and as a result could be paying too much. * Opting to purchase joint life insurance policies instead of single life insurance policies The advice to married couples is to avoid taking out joint life insurance policies which pay out when the first spouse dies over the term of the policy, but not on the second. Single policies could provide additional cover by paying just an extra £3-4 a month. * Missing out on a trust The Tax Man can claim up to 40% of your life insurance payout as inheritance tax. According to Money Observer, those with assets totalling £275,000 or more (including a house) are especially prone to tax inspection. Writing your policy in trust is a way to avoid this and as a trust does not have to go through probate, beneficiaries of the policy will receive the payment without delay. * Only insuring the main earner Whilst it is important to cover the main breadwinner, by neglecting to additionally insure the housewife or househusband may result in extra child care costs. Family income benefit (FIB) may be an appropriate policy to put in place. * Opting for a lump sum over income If your dependents are likely to require an income, then purchaseing a policy that pays out a lump sum is a mistake. Many people invest lump sums for an income, but when they invest it, they have to pay tax. Family income benefit provides a larger payout – tax free, though the majority of banks and building societies do not offer FIB, so ask an Independent Financial Advisor for recommendations. * Not proving full medical records or detailing comprehensive medical history Failure to disclose a complete picture of your health, no matter how trivial, could invalidate a claim later on. There’s no excuse for not conducting your own homework, as there is an abundance of information available online. Sites such as moneynet, provide not only price comparison research on difference life insurance products, they also offer downloadable consumer product guides. Lowermybills.com proffers a similar service stateside. Resources: http://www.moneynet.co.uk/insurance/life-assurance/index.shtml http://www.moneynet.co.uk/life-insurance-guide/index.shtml http://www.lowermybills.com/ About the author: About Rachel: Rachel writes for the personal finance blog Cashzilla. http://www.cashzilla.co.uk/

After Barcelona, Has Cesc Fabregas Played His Last Game for Arsenal?

After Barcelona, Has Cesc Fabregas Played His Last Game for Arsenal?
BarcelonaArsenal vote to see results
On Wednesday night Cesc Fabregas broke his leg in the 2-2 draw with Barcelona at the Emirates. He has been ruled out for the rest of the season and is now a major doubt for Spain in the World Cup. But has he played his last game for Arsenal?

Speculation linking Fabregas with a move back to Barcelona has been doing the rounds for the last couple of seasons. With the club's presidential elections this summer, that prospective transfer has become one of the major talking points of respective campaigns as each delegate cites Cesc as the player they would most likely sign first.

Earlier this year, Cadena SER, the largest radio station in Spain made claims that Arsenal and Barcelona had already agreed terms on a summer move for the midfielder. Both clubs moved extremely quickly to distance themselves from such speculation, but as everyone knows, transfers involving Spanish teams like Real Madrid and Barcelona are rarely straightforward and are more often than not played out in the media.

Fabregas has made no secret of his desire to return to Catalunya one day, and there is a growing clamour in Barcelona for him to link up with their famous "Class of '87" team.

As a youth, Fabregas was the linchpin to what many reckon is Barcelona's greatest ever youth side. Teaming with the likes of Gerard Pique, Lionel Messi, Marc Valiente, Victor Vazquez, and Marc Pedreza they swept all before them and won every honour available to them.

Of that team, three players had already been earmarked for greatness, and it is ironic that both Pique and Fabregas found their route to the top by leaving La Masia and heading to England while Messi, alone, remained at home.

In the summer of 2003 Barcelona were a club in turmoil. Fabregas fresh from being named as the best player at the FIFA World Youth Championship was having a crisis of his own. There was a long line of world-class players ahead of him in his position and they were all young.

While the Fabregas family debated over whether to sign a new deal or not, the club put off all contract talks until the new president had taken over and before new Joan Laporta had installed sporting director Txiki Begiristain, Fabregas, 16, had moved to Arsenal.

While in the Gunners youth team he continued his phenomenal goal scoring record from Spain, where he was known to notch up 30+ goals a season as their defensive midfielder. Such was the quality of his play, Arsene Wenger gave the homesick youth his debut a couple of months later against Rotherham in the League Cup, where he became Arsenal's youngest ever first team player at 16 years and 177 days. He then went on to become the clubs youngest goal scorer of all time in the next round of the League Cup, as the Gunners cruised past Wolves with a 5-1 win.

The following season Fabregas now aged 17 became a regular with the first team, playing 33 times, but it was not until the following season in 2005/06 that he tied down the central midfield berth after Patrick Vieira was sold to Juventus.

So far this season, the 22-year-old Fabregas is easily the stand out midfielder in the English Premier League, if not Europe. Weighing in with 19 goals and 19 assists in only 36 games. A brilliant record for any player, but made all the more special by the fact that Fabregas plays in midfield and would not be considered the main source of goals at the club.

He is blessed with all the tools any great player should possess. Incredible vision, a phenomenal range of passing with laser like precision, a desire to always do the right thing, and an abhorrence at giving the ball away cheaply. And what he lacks in stature, he makes up in determination and an attitude that has carried his team to victory when a result looks least likely.

Such is his maturity on the ball it is very easy to forget that he is still only 22, even though it feels like he has been around for years.

In short he is easily the most important player in the current Arsenal team, and one of the most important players in the EPL. However, Arsenal have not won a trophy since installing Fabregas as their central piece.

It is little wonder that Pep Guardiola wants to bring back the player he signed a no.4 jersey for all them years ago with the adage of "one day you will wear this for Barca's first team."

Barcelona let a child leave, but they are looking to re-sign a man.

On Wednesday night he was part of the Arsenal team that fought back from 2-0 down to a highly creditable 2-2 draw, scoring the crucial penalty that levelled terms.

With the club confirming that the player suffered a crack to his fibula, either in taking the penalty or in the challenge that gave the penalty away, and will be ruled out for at least six weeks.

Alfons Godall, the current favourite to win the election is already a serving official at the club in his role as vice president. His chance of election has been strengthened by the persistent rumour that former Barcelona Economic Vice President, Ferran Soriano, is about to join his campaign. Godall has also received the backing from outgoing president Joan Laporta, who described him as the best candidate and the man who would bring more success to the club than he did.

Godall is quoted in Spanish media as saying "Sooner or later Cesc will end up coming back."

Sandro Rosell, another candidate, has promised to use his friendship with the Fabregas family as a tool to engineer the return of their prodigal son.

So it begs the question: Have Arsenal's fans seen the last of Cesc Fabregas in their famous red and white jersey?

Apart from money, why would Fabregas want to go back to Barcelona?

On a professional level, Los Cules are guaranteed to challenge for both the La Liga title and the UEFA Champions League over the coming seasons, while Arsenal remain outside bets for either.

He has seen the two teams play against each other and has been given the unique chance to measure his current employers against his prospective ones. There is little doubt that Barcelona are a better side, having seen their incredible display during the first hour of the match. But Arsenal showed a resilience that few thought was possible and came back from the dead to draw.

The summer is going to be an incredibly busy one for the 22-year-old Arsenal captain. First he has to get fit and help his country through the World Cup in Spain. Being one of the favourites, they will be expecting to be around for at least the month of June, during which the Barcelona presidential elections take place.

What colours will Cesc be wearing by August? I guess we'll know by summers end when the young man makes the decision that will not only affect him, but the fates of two massive clubs.



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Clash of the Titans

Plot
Half-man, half-god Perseus (Worthington) is raised by kindly fisher folk, but when they are killed by Hades (Fiennes) - collateral damage in the war between men and gods - he sets forth on a perilous revenge quest to find his destiny, rescue a princess and resolve his issues with his father Zeus (Neeson), king of the gods.

Verdict
Poorly written nonsense, but lovers of beefcake action will be happy enough with the heroes gymnastically vaulting monsters and slicing and dicing their way around the ancient world. An extra star for Ralph Fiennes, who is a god.

3D Pub Finder launched by BSkyB

by David Allen

The satellite broadcaster wants the launch of Sky 3D tomorrow to be massive success and in order to get the maximum out of the event BSkyB will be using the Premier League title clash between Man Utd and Chelsea as its launch pad.

According to current estimates there are around 1,500 pub and clubs that are 3D Ready, but for the average football fan wanting to see their club in 3D, Sky has come up with a handy online guide that will held them locate their nearest venue offering the 3D coverage.

Football fans wanting to know where the nearest 3D match is being shown need only to visit Sky’s 3D Pub Finder at http://3d.sky.com/pubfinder in order to find out the venue details.

Security essential for wireless broadband users

by Janet Harris

With online banking fraud on the increase, Get Safe Online has called for wireless broadband users to step up their security measures.

The UK Cards Association reported a 14 percent increase in online banking fraud in 2009, with £59.7 million lost as a result.

With cybercrime become more sophisticated, as well as more prevalent, Tony Neate, the managing director of Get Safe Online, emphasised the importance of anti-virus, spyware and operating system updates.

With more and more people using wireless broadband connections, Neate also emphasised that users should make sure that their connections are encrypted.

He also highlighted the danger of using other people’s wireless access points, as these may not be secure.

Apple iPad sells out on US pre-orders

by Darren Allan 

Over in the States, the wi-fi version of the iPad is set for release this weekend, although customers who haven't already pre-ordered won't be getting the device that soon.

It seems that Apple has now run out of stock for the initial launch, meaning that those ordering this week may not have their iPad shipped until April 12th.

The option to pick up an iPad in-store has also been removed.

This indicates pretty strong demand for the device, which runs contrary to some of the slightly lukewarm consumer reaction surveys we've seen of late.

The Guardian reports that the estimated number of pre-ordered iPads is 130,000.

An exact UK release date and price are still yet to be confirmed for the iPad, although the former should be late April sometime.

Why Chelsea will beat Rooney-less Man United in Saturday's title showdown

Why Chelsea will beat Rooney-less Man United in Saturday's title showdown, by Oliver Hol

Manchester United escaped their tie against Bayern Munich on Tuesday without quite as much damage but it didn’t feel that way when the final whistle went.

Arsenal didn’t need a dressing room after their epic with Barcelona on Wednesday night. They needed a field hospital.

The sight of Wayne Rooney being helped from the pitch, unable to walk properly, sent a shiver through United and England fans everywhere.

As they watched on their television screens, the emotions of Chelsea players must have switched from envy to excitement.

Because even though they did not kick a ball in anger this week, events at the Allianz Arena and The Emirates swung the domestic title race in Chelsea’s direction.

I’m backing Chelsea to win in the title showdown at Old Trafford tomorrow now that Rooney’s missing. I think he’s that important.

It would be wrong to say that without him, United are an ordinary team. They’re much better than that.

But still, it is Rooney who has made the difference to them this season, Rooney who has dug them out of trouble on plenty of occasions.

Without him, they’re still a fine side but they are far more vulnerable, particularly to a team like Chelsea that is fresh from its 7-1 thrashing of Aston Villa.

Rooney brings an intimidation factor with him. He brings an aura. He spreads confidence in his own side and uncertainty in the opposition.

He was in unstoppable form until Tuesday and now United will have to try to find a way to play without him in their biggest match of the season.

They are fortunate that they have a striker of the quality of Dimitar Berbatov as a ready-made replacement.

But even though Berbatov has played well recently when he has been drafted into the side for lesser matches, you’re never quite sure what you’re going to get.

He’s oozing with class but sometimes a strange kind of diffidence takes over and he disappears. That’s why he’s the most expensive substitute in the Premier League.

And Rooney’s absence will have given Chelsea a huge psychological boost even before they run out at Old Trafford.

It felt as though they were stuttering in recent weeks. The Champions League defeat to Inter Milan was followed by a draw with Blackburn Rovers.

But then Chelsea smacked five past Portsmouth at Fratton Park and seven past Villa.

It was crucial for Chelsea that Frank Lampard scored four of those goals because he is still the heart and soul of the midfield.

If his confidence is high, United may find it hard to stop the combination of him and Didier Drogba when Chelsea have the ball.

Chelsea boss Carlo Ancelotti said today that he feared United might play even better without Rooney to prove they can still excel in his absence.

I don’t think it will work like that at Old Trafford. United will still be reeling from the way they threw victory away in Munich.

They also know they have a hell of a match on their hands in Manchester on Wednesday night when they play Bayern in the return leg.

Sir Alex Ferguson is a master at coaxing fine performances from his side when they need it most.

He’s got plenty of work to do with Michael Carrick this week because he had a particularly poor game in Munich.

But Chelsea have not got European competition to worry about any more. They do not have to worry about conserving energy or managing their resources.

So they’ll go for it at Old Trafford. They’ll give it everything they’ve got. And against a United without Rooney, that should be enough to get a result.

Barca gave Arsenal a taste of their own medicine, says Mick McCarthy

Published 23:00 02/04/10 By MirrorFootball

The Wolves boss reckons it’s high time Arsene Wenger’s men were given a taste of their own medicine and now hopes his team can take advantage of their tired legs.Mick McCarthy thoroughly enjoyed the run-around Barcelona gave Arsenal on Wednesday night.

“Barcelona were awesome for the first 20-25 minutes and Arsenal got to feel how the rest of us feel,” said McCarthy.

“It was nice to see them getting a taste of their own medicine. They did not see the ball for 20 minutes.

“They have been doing that to the rest of us for long enough, so I had a wry smile at them chasing it.

“I hope there are some ramifications for their game against us. If there’s some tiredness and it can help us get something, brilliant.

“We will probably need all the help we can get. Nobody expects us to get anything. There is one thing that would be worse. It could be Barcelona waiting for us.”

BIRMINGHAM CITY: WE WILL MAKE IT BLUE FOR BENITEZ

Alex McLeish: Red warning

Saturday April 3,2010

By John Wragg

BIRMINGHAM City are ready to end Liverpool’s season and send manager Rafa Benitez into despair.

The Blues, who are having their best season for years, have drawn at home against the top five in the Premier League and are now poised to wreck Liverpool’s bid for fourth spot and Champions League qualification.

“I think our home record is pretty amazing anyway, regardless of the top teams who are expected to go anywhere and win,” said Birmingham manager Alex McLeish.

“It’s testament to the players I’ve got here, the will to win and the determination to play to their very best.”

Benitez has said Liverpool need to win all their remaining games to finish fourth, but McLeish thinks they will come unstuck at St Andrews.

“I thought Liverpool were unlucky in their Europa League game. They were in great form last week and they have to go for it, don’t they? They have to try to get fourth,” said McLeish.

“I expect them to be at their strongest against us because they have to win a lot of games.

“Whether it’s about Liverpool’s season or anybody else, we do it for ourselves. We’ve now earned a reputation of being a very tough team to beat at home but Liverpool are a top team and, on their day, they can beat anybody.”

Birmingham are heading towards their best season since 1956, when they finished sixth in the old First Division.

McLeish has had to cope with a change of ownership and the aggravation it caused and thinks off-field difficulties have contributed to Liverpool’s poor season.

“It’s a distraction and it can take away the focus,” he said.