FB FB1015
Marsh (Hong Kong) Limited
達信風險管理及保險服務 (香港)有限公司
- Licence no.
- FB1015
- Business registration
- 03469647
- Lines of business
- General Insurance, Long Term
- Licensed technical representatives
- 297
- Years in operation
- 54
- Offices
- 1
- Company type
- Private company limited by shares
- Date of incorporation
- 1972-02-04
- Company registry status
- Active
- Responsible officer
- MAK Kin Man 麥建民
- Registered address
- Suite 3402-3406 & 33/F, One Taikoo Place, 979 King's Road Quarry Bay, Hong Kong
- Phone
- 23017000
- Fax
- 30094160
- MHK_FB1015@marsh.com
- Website
- https://www.marsh.com
- Last updated
- Apr 2026
Broker office map
Licensed technical representatives (297)
- ACCORDI DianaIA3157Technical Representative· General Insurance
- AU Wing Lan區詠蘭IA2978Technical Representative· G + L(X)
- BODDINGTON Stephen PatrickIA2420Technical Representative· G + L(X)
- BROCKLEHURST Olivia Elizabeth CarolineIA3682Technical Representative· General Insurance
- BROWN Ian WilliamIA2800Technical Representative· General Insurance
- CHAI Kuini柴悝旎JA7165Technical Representative· G + L(X)
- CHAN Cheuk Him陳卓謙JH5911Technical Representative· General Insurance
- CHAN Chun Kit Kenneth陳俊杰IA4451Technical Representative· General Insurance
- CHAN Hin Wai陳衍慧JF3715Technical Representative· G + L(X)
- Chan Kwan Yung陳筠蓉JJ8526Technical Representative· General Insurance
- CHAN Lai Kwan陳麗君IA4815Technical Representative· General Insurance
- CHAN Man Po陳文波IA2160Technical Representative· General Insurance
- CHAN Mei Ling陳美玲IA1263Technical Representative· General Insurance
- CHAN Ngan Ying陳雁盈JA4223Technical Representative· General Insurance
- CHAN Oi Man Peggy陳靄雯IA1919Technical Representative· G + L(X)
- CHAN Shing Yan陳承恩JB8039Technical Representative· General Insurance
- CHAN Siu Ching陳少菁IA1548Technical Representative· General Insurance
- CHAN Sze Ki陳施琪IA3489Technical Representative· General Insurance
- CHAN Tak Ho陳德豪IA2457Technical Representative· General Insurance
- Chan Ting Kit陳霆傑JE6589Technical Representative· General Insurance
- CHAN Wai Shing Wilson陳偉誠IA1456Technical Representative· General Insurance
- CHAN Wing Chuen陳永全IA2182Technical Representative· General Insurance
- CHAN Wing Hang Helen陳頴姮IA3530Technical Representative· General Insurance
- CHAN Yick Man陳翼敏IA2156Technical Representative· General Insurance
- CHAN Yin陳演IA1608Technical Representative· G + L(X)
- CHAN Yuk Ting陳鈺婷JE9195Technical Representative· General Insurance
- CHANG Wing Ping張永平IA1980Technical Representative· G + L(X)
- Chaudhry Ali RezaJD6364Technical Representative· General Insurance
- CHEN Tsz Wing Dorothy陳芷頴IA4323Technical Representative· General Insurance
- CHEN Wing Kei陳頴琪IA1458Technical Representative· G + L(X)
- CHEN Xiaobai陳小白JL6710Technical Representative· General Insurance
- CHEN Yingdan陳穎丹JL2633Technical Representative· General Insurance
- CHENG Ka Fai鄭嘉輝IA1224Technical Representative· General Insurance
- CHENG Kwok Bo鄭幗寶IA1217Technical Representative· G + L(X)
- CHENG Ming Shun鄭名順IA1798Technical Representative· General Insurance
- CHENG Oi Sheung鄭愛嫦JA4177Technical Representative· General Insurance
- CHENG Ping Hung鄭炳雄IA1322Technical Representative· General Insurance
- CHEUNG Chi Hung張志紅IA1532Technical Representative· G + L(X)
- CHEUNG Chun Hin Darrick張雋軒IA2625Technical Representative· G + L(X)
- CHEUNG Leung Ki張量棋IA4808Technical Representative· General Insurance
- CHEUNG Mei Kuen張美娟IA1739Technical Representative· General Insurance
- CHEUNG Po Chu張寶珠IA2781Technical Representative· General Insurance
- CHEUNG Sau Yee張秀儀IA4282Technical Representative· General Insurance
- CHEUNG Wai Chung張蔚忠IA1193Technical Representative· General Insurance
- CHEUNG Wing Chun張永進IA2146Technical Representative· General Insurance
- CHEUNG Wing Han張詠嫻IB8973Technical Representative· General Insurance
- CHEUNG Yee Ling張倚菱IA4710Technical Representative· General Insurance
- CHIN Tak Wing Warace錢德榮IA1171Technical Representative· General Insurance
- CHING Sum Yu程琛茹IA9554Technical Representative· General Insurance
- CHIU Lai Kwan趙麗鈞JC5341Technical Representative· General Insurance
- CHIU Mei Po趙美寶IA1425Technical Representative· G + L(X)
- CHIU Siu Mei Pauline趙少薇IA1306Technical Representative· G + L(X)
- CHIU Yuk Yin趙玉燕IA2703Technical Representative· General Insurance
- CHOI Hiu Wai蔡曉慰IA4546Technical Representative· General Insurance
- CHONG Mui Ying Mandy莊玫瑛IA4816Technical Representative· General Insurance
- CHOW Kwai Fong周桂芳IA2097Technical Representative· G + L(X)
- CHOW Wing Ki Stockton周榮基IA1617Technical Representative· General Insurance
- CHOY Ngar Chui蔡雅翠IA1573Technical Representative· General Insurance
- CHOY Wai Hung蔡偉雄IA2339Technical Representative· G + L(X)
- CHU Man Yuen Marilyn朱文婉IA2014Technical Representative· G + L(I)
- CHU Po Yee朱寶儀IA2517Technical Representative· General Insurance
- CHU Shu Faat朱舒發IA3096Technical Representative· General Insurance
- CHU Sze Ka朱思嘉IA3324Technical Representative· G + L(I)
- COUSINS Nicholas JasonIA1686Technical Representative· G + L(X)
- Deng Yixuan鄧逸軒IL6878Technical Representative· General Insurance
- DURRANT KevinIA2737Technical Representative· General Insurance
- FABBRI BarbaraIA4233Technical Representative· General Insurance
- Fan Shixuan范詩璇JE2711Technical Representative· General Insurance
- FARRELLY Edward PeterIA4608Technical Representative· General Insurance
- FENG WEIXUAN馮瑋宣JE6946Technical Representative· General Insurance
- FENG Xiao馮筱JH9659Technical Representative· General Insurance
- Fok Siu Yan霍晁恩JD6383Technical Representative· General Insurance
- FONG Hoi Na方凱娜IA1516Technical Representative· G + L(X)
- FONG Wing Hang Wendy方穎恒IA1577Technical Representative· G + L(X)
- FONG Wing Sze方詠思IA1161Technical Representative· General Insurance
- FONG Yuk Lam William方昱林IA3602Technical Representative· General Insurance
- Fung Pak Yin馮柏賢JD2898Technical Representative· General Insurance
- FUNG Suk Ngan Ellen馮淑顏IA1037Technical Representative· General Insurance
- GALANG Rendelle John GabrielJJ5901Technical Representative· General Insurance
- GARLAND Sara EllenIA2114Technical Representative· General Insurance
- HA Vanessa Pui Mang夏佩雯JA8707Technical Representative· General Insurance
- HE Si Si何斯斯JA8592Technical Representative· General Insurance
- HE Zhiying何志滢JL6198Technical Representative· General Insurance
- Hills Patrick John AldisJE9303Technical Representative· General Insurance
- HO Cheuk Yin Anthony何卓賢JF8417Technical Representative· General Insurance
- HO Chun Yat何駿逸JA1378Technical Representative· General Insurance
- HO Chung Fan何頌勳IA2455Technical Representative· General Insurance
- HO Kin何健JG3276Technical Representative· General Insurance
- HO Siu Ling Pansy何小玲IA3810Technical Representative· General Insurance
- HO Suet Nam Sharon何雪嵐JL2242Technical Representative· General Insurance
- HO Yue Yan何裕仁IE9173Technical Representative· General Insurance
- HON Kit Mui韓潔梅IA1421Technical Representative· G + L(X)
- HONG Chaoyu洪超裕JF2704Technical Representative· General Insurance
- HUI Kit Yee許潔儀IA1558Technical Representative· General Insurance
- Hung Wai Lun洪暐倫JE6180Technical Representative· General Insurance
- IP Siu Him Kenneth葉肇謙IA4891Technical Representative· G + L(X)
- Ip Tse Shing葉子誠IE7981Technical Representative· General Insurance
- Ip Yiu Lung葉耀龍JC9574Technical Representative· General Insurance
- JULIAN-DHARMA-TANDYJH7580Technical Representative· General Insurance
- KANG DayoonJH6470Technical Representative· General Insurance
- KIM HaeniJH2864Technical Representative· General Insurance
- Kwok Chi Ho郭智豪JB1576Technical Representative· General Insurance
- KWOK Sum Yi郭深怡JH8633Technical Representative· General Insurance
- KWOK Tsui Zan郭翠珊IA1786Technical Representative· G + L(X)
- KWOK Tsz Kei郭芷萁JB1007Technical Representative· General Insurance
- KWONG Pui Lin Pauline鄺佩蓮IA1178Technical Representative· G + L(X)
- LACHICA Stephen黎志嘉IA1729Technical Representative· General Insurance
- LAI Fung Yee黎鳳儀IA1734Technical Representative· General Insurance
- LAI Hang Yin Joanna黎杏姸IA5003Technical Representative· General Insurance
- LAI Sau Lan Cecilia黎秀蘭IA1272Technical Representative· General Insurance
- LAI Siu To賴笑桃IA1599Technical Representative· G + L(X)
- LAI Ting Ting Gloria賴婷婷IA2139Technical Representative· G + L(X)
- LAI Yee Ting Saline黎綺婷IA2283Technical Representative· General Insurance
- LAM Chim Kwan林暹坤IA2029Technical Representative· General Insurance
- LAM Chiu Lo林昭爐JC1983Technical Representative· G + L(X)
- LAM Fai Wai林輝威JE9041Technical Representative· General Insurance
- LAM Fung Sim林鳳嬋IA2434Technical Representative· General Insurance
- LAM Ho Cheung林灝璋IA3819Technical Representative· General Insurance
- LAM Mai Yin林美賢JC4052Technical Representative· General Insurance
- LAM Pui Wah林佩華IA3794Technical Representative· General Insurance
- LAM Ting Ngai林庭毅JG2576Technical Representative· General Insurance
- LAM Wai林蔚IA2100Technical Representative· General Insurance
- Lam Wing Yu林穎愉IB9135Technical Representative· G + L(I)
- LAM Yee Yin Suven林意燕IA1082Technical Representative· General Insurance
- LAU Chi Cheong劉子祥IA1291Technical Representative· G + L(X)
- LAU Chi Yan劉芷因JG7555Technical Representative· General Insurance
- LAU Kar Nei劉嘉妮IA2712Technical Representative· General Insurance
- LAU Oi Mei劉愛媚IA4062Technical Representative· G + L(I)
- LEE Cheuk Wing李卓穎IA2733Technical Representative· General Insurance
- LEE Chin Wan李展雲IA2129Technical Representative· G + L(X)
- LEE Ka Wing李家榮JL8870Technical Representative· General Insurance
- LEE Kit Ming李潔明IA1214Technical Representative· General Insurance
- LEE Lai Shan Lizanne李麗珊IA1757Technical Representative· G + L(X)
- LEE Margaret Ka Wing李嘉頴IA4933Technical Representative· General Insurance
- LEE Mei Chin李美清JA6015Technical Representative· General Insurance
- LEE Po Ping李寶萍IA1906Technical Representative· General Insurance
- LEE Pui Wing李貝詠IA3230Technical Representative· G + L(X)
- LEE Shuk King李淑琼IA1351Technical Representative· G + L(X)
- LEE Wing Lam李詠琳IA3526Technical Representative· General Insurance
- LEE Yin Ting李燕婷JA7577Technical Representative· General Insurance
- LEE Ying Sun Gilbert李應新IA1802Technical Representative· G + L(X)
- LEI Haiyan雷海燕JJ4466Technical Representative· General Insurance
- LEUNG Chi Kan梁智勤IN6151Technical Representative· G + L(X)
- Leung Ho Kwan梁浩昆JE2861Technical Representative· General Insurance
- LEUNG Man Kee梁敏祺IA2219Technical Representative· General Insurance
- LEUNG Po Kwan Vicky梁寶群IA1211Technical Representative· G + L(X)
- LEUNG Sau Fun梁秀芬IA1590Technical Representative· General Insurance
- LEUNG Tsz Kei梁子基IA1629Technical Representative· G + L(X)
- LEUNG Wai Hon梁偉漢IA2103Technical Representative· G + L(X)
- LEUNG Yuen Man Katie梁婉文IA1222Technical Representative· General Insurance
- LI Chi Man Christopher李志文IA4225Technical Representative· General Insurance
- LI Jinmeng李金濛IA4565Technical Representative· General Insurance
- LI Man李敏IA1972Technical Representative· G + L(X)
- LI Tsz Yan李芷恩JC1175Technical Representative· G + L(X)
- Li Wai Ho李偉豪JE4751Technical Representative· G + L(X)
- LI Wai Lok李韋樂JH4831Technical Representative· General Insurance
- Li Yu Wing李裕榮IC6081Technical Representative· General Insurance
- LIAN ZI CHUAN練子川JK7040Technical Representative· General Insurance
- Lim Zi SenJD1334Technical Representative· General Insurance
- LIN Yi林熠IA3033Technical Representative· General Insurance
- LING Jiahao凌駕昊IA4301Technical Representative· General Insurance
- LIP Ka Tat聶加達JF7133Technical Representative· G + L(X)
- LIU Gigi Yee Kun廖以芹JE4375Technical Representative· General Insurance
- LIU Ning劉宁JF7261Technical Representative· General Insurance
- Liu Ting劉婷JD7497Technical Representative· General Insurance
- LIU Wai劉慧IA1971Technical Representative· G + L(X)
- LIU Yuen Ting Jessica廖婉婷IA3554Technical Representative· G + L(X)
- LO Ka Ho盧加浩IA3150Technical Representative· General Insurance
- Lu Suet Ki呂雪琪JD5406Technical Representative· General Insurance
- LUI Samantha Mei Fung呂美鳳IA1059Technical Representative· General Insurance
- LUM Tai Hung Bonnie林大虹IA2995Technical Representative· G + L(X)
- MA Ming Wai馬明慧IB5776Technical Representative· G + L(X)
- MAK Kin Man麥建民IA1280Technical Representative· G + L(I)
- MAK Wing Ting麥泳婷JG1260Technical Representative· General Insurance
- MAN Ching Ki文鉦淇JL2239Technical Representative· General Insurance
- MAN Chung Shun文鍾信JL5313Technical Representative· General Insurance
- Man Hei Yu文希銣JD6076Technical Representative· General Insurance
- MARTINS Jessica LynnJG4765Technical Representative· General Insurance
- MEAN Kao Hui閔高慧JK5414Technical Representative· General Insurance
- MOO Eric Pok Chung巫博聰IA4368Technical Representative· General Insurance
- Mow Wing Shan繆詠珊JE1268Technical Representative· General Insurance
- NATASSA- CATALINA-BUNTARAJH8535Technical Representative· General Insurance
- NG Chi Kong伍志剛IA1230Technical Representative· General Insurance
- NG Ching Yee吳靜儀JH7779Technical Representative· General Insurance
- NG Hoi Ki Ivy吳凱琪IA4754Technical Representative· General Insurance
- NG Lit Kwan吳烈君IL4363Technical Representative· G + L(X)
- NG Wing In吳泳妍IA4109Technical Representative· General Insurance
- NG Yee Man吳綺雯IA3913Technical Representative· General Insurance
- NGAN Tsui Man顏翠文IA2480Technical Representative· General Insurance
- OWEN Glynn EdwardJF7034Technical Representative· General Insurance
- PANG Ka Leung彭家樑IA1462Technical Representative· General Insurance
- Park Ju Young朴宙榮JC9190Technical Representative· General Insurance
- PELLER Seth Adam MichaelJA7239Technical Representative· General Insurance
- POON CHEUK YI潘卓怡JC6850Technical Representative· G + L(X)
- PRAMOD POOJAJD2926Technical Representative· General Insurance
- QUANG Sylvia Rose鄺鈺洳JH6351Technical Representative· General Insurance
- SAKATSUME Kiriko坂爪桐子IA2285Technical Representative· G + L(X)
- SAMSON Joachim Emmanuel SantosJA1748Technical Representative· General Insurance
- Seto TonyJD5565Technical Representative· General Insurance
- SEYMOUR Cameron JamesJF8447Technical Representative· General Insurance
- SHEN Qi沈岐JG8327Technical Representative· General Insurance
- Short Henry FrederickJE7198Technical Representative· General Insurance
- SHUM Yee Man沈綺雯IA2012Technical Representative· General Insurance
- SILIPANNHA JeanIA3639Technical Representative· General Insurance
- SO Ching Yee蘇靜儀IA1433Technical Representative· G + L(X)
- So Tsz Hin蘇子軒JH7637Technical Representative· General Insurance
- SOEDARPO Harry PaulJH5794Technical Representative· General Insurance
- STOCKLEY Duncan PeterIA4586Technical Representative· General Insurance
- SUEN Ka Ho孫嘉豪JF1778Technical Representative· General Insurance
- SUEN Ling Chi Elaine孫玲芝IA1336Technical Representative· G + L(X)
- Sung Wang Ho宋泓浩JE7162Technical Representative· General Insurance
- SWORDS Lucy HannahJJ8673Technical Representative· General Insurance
- SZE Hon Sang Ken施漢生IA1237Technical Representative· G + L(X)
- Sze Wing Tung施穎彤JC1429Technical Representative· General Insurance
- TAM Hoi Yan譚凱仁JH5650Technical Representative· General Insurance
- Tam Ka Lok譚嘉諾JE5410Technical Representative· General Insurance
- TAM Kiu Man譚翹敏JE4547Technical Representative· General Insurance
- Tam Kwan Ling譚堃鈴JE5751Technical Representative· General Insurance
- TAM May Yee譚美儀IA3273Technical Representative· General Insurance
- TAM Nok Kar Lucas譚諾迦JG9929Technical Representative· G + L(X)
- TAM Wai Man譚慧敏IA2306Technical Representative· General Insurance
- TANG Lai Fan鄧麗芬IA4346Technical Representative· General Insurance
- TANG Yi Ting鄧伊庭IA1998Technical Representative· G + L(X)
- TING Shao Chi丁少淇JE7799Technical Representative· General Insurance
- TO Cho Hei杜祖熹IA1392Technical Representative· General Insurance
- TONG Lai唐麗JB6790Technical Representative· General Insurance
- TONG Yat Kwai唐逸畦IA1622Technical Representative· G + L(X)
- TSANG Fan Chi曾繁智IA2923Technical Representative· G + L(X)
- TSANG Ho Yin Oscar曾灝賢JB5998Technical Representative· General Insurance
- TSANG Kiu曾僑IA2108Technical Representative· General Insurance
- Tsang Tsz Yan Janet曾子恩IA3936Technical Representative· General Insurance
- TSANG Yau Ka曾尤嘉JH2929Technical Representative· General Insurance
- TSE Chun Kit謝俊傑IA3832Technical Representative· General Insurance
- TSING Nan See鄭蘭施IA1758Technical Representative· G + L(X)
- TSOI Sum Yi蔡琛誼IL6457Technical Representative· General Insurance
- TSOI Tung Yu BruceIA3859Technical Representative· General Insurance
- Tung Ho Fai Freddy董浩輝ID3735Technical Representative· G + L(X)
- USMAR BenJH8711Technical Representative· General Insurance
- WAI Ka Yi韋珈沂JG3229Technical Representative· General Insurance
- Wakeley Adam GreyJE4381Technical Representative· General Insurance
- WANG Xiaoling王晓岭JH7340Technical Representative· General Insurance
- WANG Xiyi王浠伊IA4461Technical Representative· General Insurance
- WANG Yanru王晏如JB4805Technical Representative· G + L(X)
- WELLSTED Michael JohnIA1977Technical Representative· G + L(X)
- WIDODO Cedric AtmadjiJG8154Technical Representative· General Insurance
- WILKINS Paul KeithIA3165Technical Representative· G + L(I)
- WO Chung Fun胡仲芬IA1198Technical Representative· General Insurance
- WO Ka Wai胡嘉慧IA1605Technical Representative· General Insurance
- Wong Chi Fung黃梓峯JD4127Technical Representative· General Insurance
- WONG Chi Kwan黃芷君IB6031Technical Representative· G + L(X)
- WONG Chi Ming黃志明IA1944Technical Representative· G + L(X)
- WONG Chia Yang黃家揚IA1787Technical Representative· General Insurance
- WONG Fu Kau Kevin黃富球IA3850Technical Representative· General Insurance
- WONG Ho Fun黃暤勛IA2373Technical Representative· G + L(X)
- WONG Ho Fung王濠鋒JC8360Technical Representative· G + L(X)
- WONG Kien Hong黃健雄JC1263Technical Representative· General Insurance
- WONG Kim Man王劍雯IA3092Technical Representative· General Insurance
- WONG Ryan Man Kit黃敏傑IA3803Technical Representative· General Insurance
- WONG Sau Lin Celine黃秀蓮IA3598Technical Representative· General Insurance
- WONG So Min王素綿IA1126Technical Representative· G + L(X)
- WONG Suk Ching黃淑貞JG4942Technical Representative· General Insurance
- WONG Suk Yi王淑儀IA1459Technical Representative· General Insurance
- WONG Sung Li王崇力IA2417Technical Representative· G + L(X)
- WONG Tak Ming黃德明IA1442Technical Representative· General Insurance
- Wong Tat Yan Napoleon黃達仁JC9550Technical Representative· General Insurance
- WONG Tsz Lap黃子立JC2533Technical Representative· G + L(X)
- WONG Tsz Yi Kristy王芷怡JH7185Technical Representative· General Insurance
- WONG Wa Sui王華瑞IA4030Technical Representative· General Insurance
- WONG Wing Tung Iris王泳桐IA1903Technical Representative· G + L(X)
- WOO Wing Yee Queenie胡穎兒IA2477Technical Representative· G + L(X)
- WU Lin Choi胡連彩IA1426Technical Representative· G + L(X)
- WU Wai Han胡慧嫺IA3404Technical Representative· General Insurance
- XU Jingyi許靜宜JH7692Technical Representative· General Insurance
- YAM Tat Fai任達輝JK5856Technical Representative· General Insurance
- YAN Wing Lam忻詠琳IA2092Technical Representative· G + L(X)
- YANG Diyao楊迪堯JK6074Technical Representative· General Insurance
- YEUNG Hok Man楊學敏IA8748Technical Representative· General Insurance
- YEUNG Ka Nam楊嘉南JH6425Technical Representative· General Insurance
- YEUNG Ka Wah楊嘉華IA1554Technical Representative· G + L(X)
- YEUNG Wai Wah楊慧華IA1570Technical Representative· G + L(X)
- Yi Suho李守鎬JE7019Technical Representative· General Insurance
- YIM Ho Hin嚴浩軒IA4392Technical Representative· General Insurance
- Yiu Wing Chung姚永聰JE6974Technical Representative· General Insurance
- YOUNG Rory James SimmIA4450Technical Representative· General Insurance
- YU Oi Man余凱文IA3152Technical Representative· G + L(I)
- YUEN Hang Yee阮杏儀IA3502Technical Representative· General Insurance
- YUEN Hin Jing Brandon袁顯正JG6946Technical Representative· General Insurance
- YUEN Lok Man袁諾敏IA3021Technical Representative· General Insurance
- YUEN Man Kei阮文基IA1831Technical Representative· General Insurance
- YUEN Ying Oi Pamela袁映愛IA1045Technical Representative· G + L(X)
- ZENG Man Lam曾雯琳JL2315Technical Representative· General Insurance
- Zhang YiIJ5609Technical Representative· General Insurance
- Zhang Yuan張媛JD3094Technical Representative· General Insurance
- ZHAO Xin趙欣IA4084Technical Representative· General Insurance
- ZHONG Min鍾敏IA2181Technical Representative· General Insurance
- ZHOU Zhihui周志暉IA2585Technical Representative· General Insurance
- ZHU Linlin朱琳琳JB6280Technical Representative· General Insurance
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How we can help
Paradox Management Limited offers the following services to the HK insurance industry:
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We help with HK insurance broker / agency licence applications, compliance setup, IIQE exam prep, and responsible-officer placement. WhatsApp us for a no-obligation initial consultation.
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