| Dear 
              CozAsking 
              for trouble
 Dear Coz,
 I'm a 17-year-old girl. Last year I had a boyfriend. He was 
              19 years old and I loved him very much. But it only lasted six months 
              because he ended it suddenly. I don't know the reason why. After 
              a couple of months, another guy asked me to be his girlfriend. He 
              is very sweet and jovial. He is also my age and my friend. So I 
              agreed. We've been going together for four months and he loves me 
              very much. The problem is that I can't forget my ex. Each day my 
              love for him grows stronger. When I tell my boyfriend about my ex, 
              he gets very angry with me. My ex is talking to me again. I think 
              he knows that I still love him. If he wants us to renew our relationship, 
              what should I do? Please help me Coz.
 Pooh
 Dear 
              Pooh, Pain, heartache and tears, is 
              that your idea of love? That is what you'll get if you go back to 
              your ex. Don't let him use you. Your ex left you without a word 
              as if he was discarding old clothes. What's going to stop him from 
              doing it again? Can you trust him? Forget him. He's not worth the 
              love or tears you offer him. You have a guy who truly loves you 
              now. Appreciate him, otherwise you'll lose him forever. If you can't 
              find it within yourself to love him the way he deserves, then end 
              it without causing him more pain. I can't make decisions for you. 
              That rests with you. Leave no room for regrets.
 
 Disregard 
              itDear Coz,
 I'm a 16-year-old girl from Kandy. There is a boy who always 
              looks at me, in my tuition class. At first I didn't care but now 
              it has become a headache for me.
 
  I want to tell 
              my parents about him but I'm afraid that they might not understand. 
              I don't want to lose my freedom. How can I get over this problem? 
              Please help me.URO - Nethmi
 
  Dear 
              URO - Nethmi,As far as I know, there's no law 
              in Sri Lanka to prevent people from looking at you. It can be a 
              pain to have someone watching you all the time but apart from some 
              harmless adoring glances, he has done nothing to hurt you.
 
  
              Just ignore him. It's not that difficult. Why drag your parents 
              into this and make an enemy out of him. If you tell them, they might 
              or might not take things lightly. If they tell your tuition teacher 
              or warn this boy, you'll be asking for a lot of unnecessary trouble. 
              
  Speak to 
              your momDear 
              Julie G. Rose (Letter withheld on request),
 Believe me, I know what you're 
              going through. There's one thing you have to remember - that no 
              matter what, your parents love you a lot. They're giving you a good 
              education despite all the difficulties. That's your key to success. 
              Stay focused on your goals.
 
  
              You can do it. Education is the only way to achieve your dreams. 
              Ever seen a rainbow after a fierce storm? Keep that in mind. Life's 
              like that. 
  
              Our problems don't last forever as long as we have the courage to 
              face them. When problems come, they make us strong. 
  
              Be thankful for what each circumstance teaches you and learn from 
              it. Have a chat with your mother when your sister is not around 
              and ask her why she's not pleased with you. Then if you have done 
              something wrong, you can correct it. 
  
              I know you're hurt but if you haven't done anything wrong, don't 
              worry! If you ever need a friend to pour your heart out, just drop 
              me a line. Take care.
  Girls are 
              nervous tooDear 
              Coz,
 I'm a 20-year-old boy who is following a Chartered Accountancy 
              course in Kandy. There's a girl in my class whom I'm very interested 
              in. I want to tell her about my feelings but I'm scared to talk 
              to her. In my lifetime, I've never spoken to a girl about love. 
              So I'm really nervous. Please help me.
 First Try
 
  
              Dear First Try, Has it occurred to you that girls are just as nervous? Come 
              on, she's not going to bite your head off. Instead of popping the 
              question out of the blue and giving her a shock, pave the way for 
              it. Ask her about the course notes or pretend you don't understand 
              something. Start off as friends. If you don't have the courage to 
              speak to her as a friend, you'll never be able to ask her. If you 
              truly care about her, it's worth a try.
 
 NTB's 
              dynamism"Strong roots, youthful dynamism, the passion to learn, 
              a friendly disposition, and a focused vision. That's what we are. 
              To the customer, it opens up endless possibilities."
 
  That is what 
              Nations Trust Bank is all about.
  Founded in 
              1999, Nations Trust Bank was formed when a consortium comprising 
              John Keells Holdings Ltd., Central Finance Company and the International 
              Finance Corporation (IFC) took over the local operations of the 
              Hong Kong based Overseas Trust Bank. 
  Nations Trust 
              Bank is the only local company, which is linked to IFC. "IFC 
              is an agency of the World Bank, which fosters economic growth in 
              the developing world by financing private sector investments, mobilising 
              capital in the international financial markets and providing technical 
              assistance and advice to governments and businesses," says 
              Mr. Bradley Emerson, Head of Retail Banking, Nations Trust Bank. 
              
  'One can judge 
              a plant, while it is young,' says their brochure. "True enough," 
              says Mr. Emerson. "We can safely say that our business plan 
              is based on a dual expansion strategy of organic growth, coupled 
              with the acquisition of complementary business."
  Currently operating 
              in 17 state of the art highly networked branches in strategically 
              important locations, they are certainly going places. "Even 
              our branches are carefully planned out and we hire minimum staff 
              at these branches because all the work is done centrally. This method 
              is extremely effective and the customer benefits as the price he 
              or she pays is low."
  Having acquired 
              Waldock McKenzie, the Kandy Branch of the Standard Chartered Bank, 
              the Personal Banking Division of Deutsche Bank and the Sri Lankan 
              operations of American Express Bank, Nations Trust Bank is considered 
              by many to be one of the leading banks in today's corporate world. 
              
  "We are 
              passionate about keeping abreast of the latest development in banking 
              and related technology. We were the first to introduce the 365 days 
              banking by opening mini-branches in supermarkets and convenience 
              stores as well as Internet Banking," he adds. "The mini-branches 
              at the supermarkets were a great success. This was mainly because 
              we managed to take the bank to the customers instead of making the 
              people go to the bank. For convenience we offer our customers ATM 
              facilities connected to the worldwide Cirrus / Maestro networks 
              and Phone Banking."
  IT driven, 
              which means having telebanking, and Internet Banking, Nations Trust 
              Bank indeed has their goals planned out strategically. "We 
              are cost effective," is what Mr. Emerson has to say, and "Yes, 
              we plan to introduce Credit Cards soon!"
  Excellent customer 
              relations, carefully planned out strategies and an endless drive 
              is what has made Nations Trust Bank what it is today. "We say 
              we are a young bank, not a new bank," says Mr. Emerson with 
              a smile. "And why we call ourselves a young bank is due to 
              the fact that because we are young, we are aggressive! And it is 
              our aggression which has contributed to our success." - Thiruni
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