Delaware is basically a multi-boutique firm with each group having an independent investment process.

FORBES: Disruption At A Company Can Spell Investment Opportunity

Each group having different objectives and motives but playing in harmony for each other, for the good of everyone.

FORBES: What's Inside Your Company? From The Outside, a Mystery

They were split into four groups based on the amount of chocolate, with the bottom group eating, on average, no chocolate each week and the top group having 63g (2.2oz) - slightly more than an average bar.

BBC: Chocolate may protect the brain from stroke

Educate them on the latest trends for each age group to which you cater, which allows them to look savvy without having to ask the recipients.

FORBES: Pick Baby Boomers as Your Target Market for the Holidays