Recently I’ve been pondering the correlation between an Appointed Representative (AR) and its Principal firm, and an appointed Member of...
There has been much commentary recently on the treatment by lenders of individuals and small and medium sized enterprises (SMEs). ...
In 1907, Robert Baden-Powell, an English soldier, devised the Scout motto: Be Prepared. Upon hearing the Scout motto, someone asked...
Celebrated WWII leader, General George Patton, once said “Do not try to make circumstances fit your plans. Make plans that fit the...
It’s an old adage that the best time to face up to a problem was yesterday, but the second-best time is now. And that’s a message that...
Much has been written about the FCA’s consultation on a Consumer Duty. The second Consultation Paper issued in December 2021 is a hefty...