Take a look in the mirror

It's hard not to worry when someone threatens 'Be afraid, we mean business!' But how is the Financial Services Authority (FSA) ever going to get its act together when it continues to regulate all parties universally, irrespective of the fact that they don't do the same thing or necessarily even run the same risk?

Let's not forget, it prostituted the rules applicable to clearing and investment banks, to apply them to insurance, when it only had a theoretical understanding of the industry and

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