The  recurrent theme of the second newsletter has been Investment and not just financial, social and personal time have also been covered. So this quarter my guest blogger Joel Hughes (of Jojet) will explain the knitty gritty details of the all new secure download portal, aka Digital Asset Bank, my major investment in the past few months. Joel has always helped me with all the crazy web based projects I dream up, so naturally when the time came to create a bespoke file delivery system (designed on the back of an envelope) he was the obvious choice for the task.