Kimberley Stiff (second left), corporate communications manager, Guardian Life Limited, explains the benefits of Guardian Life's newest product, the Guardian Retire-ment Scheme, to Stephen Spence (left), president, Young Entrepreneurs Associa-tion (YEA), as Patrice Wilson-McHugh, first vice president, YEA and Tyrone Wilson, also of YEA, looks on. The Guar-dian Retirement Scheme, which was launched recently at the Hilton Kingston Jamaica hotel, is an individual retirement plan, designed to provide persons who are not part of a pension plan with their own private provision for retirement. - Contributed