Training day

The introduction of Financial Services Authority (FSA) regulation had a strange effect on brokers' attitudes towards training. In the months leading up to 15 January 2005, the regulator flagged up training and competence as a key area of concern for the general insurance industry - in fact, former chief executive John Tiner said at the time that it was "a fundamental part of our regulatory regime".

As a result, many brokers decided that they had to act quickly, rushing to book trainers who

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