Article: STRAIGHT TO THE POINT.

I WANT to leave a legacy to a friend, but she has a wayward son who Idon't want to benefit from my gift. Can you help? R. J., Weston Favell,Northants.

YOU could leave the legacy to a simple discretionary trust, says solicitorPhilip Lansberry of Sussex-based Asb Law. The trusteesyour friend could be onewould hand out the cash over time rather than as a lump sum. It doesn't stopher sharing the withdrawals with her son but you've done all you can.

I HAVE some HBoS (formerly Halifax) shares but I have mislaid my sharecertificate.

How can I get a replacement? K. T., Wisbech, Cambridge.

CONTACT the HBoS registrar: Computershare Investor ...

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