Top of the class

In the run-up to an Arrow visit from the Financial Service Authority (FSA) there will doubtless be sleepless nights among the target's directors, and not just because they are burning the midnight oil to get everything ready. A huge amount rests on getting top marks, as a poor report card can have expensive and far-reaching repercussions. Indeed, an Arrow visit can kill a career and even fell a company.

Arrow's full and unwieldy name is the Advanced Risk Responsive Operating Framework and is the

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