As for experts ... UKY is owned and run by Leah, moderated by a team of unpaid volunteers. There are some people who offer professional advice on the board from time to time, in various capacities, but none are employed by UKY so you have to take them at their word as to their expertise. Some people state in their signatures if they have professional qualifications or belong to any professional associations so you can check. I know we have a couple of bankers who post sometimes, we used to have an accountant (not sure if she is still around), an estate agent or two, recruitment/HR people, nurses, social workers .. you name it! I am sure they will make themselves known if they are still active posters.