Pablo was a young man who had suffered extensive injuries in amotor vehicle accident and was confined to a wheelchair. He hadsued the driver of the car responsible for his accident and wasawarded $3.2 million by way of damages. Pablo’s parents, Edvard andFrida, had no business experience, both having worked in cleaningjobs since arriving in Australia in 1989. Their English wascompetent for everyday needs but not adequate for complex matters.All three relied heavily on advice from Caveat, their solicitor,whom they asked to help them with investment advice.
Caveat suggested that they consult BNQ, a financialinstitution in suburban Sydney, which offered a
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