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"Reforming regulation. Is not just about delivering good outcome for consumers. It's about delivering good outcomes -- -- The industry is standing has suffered and it has suffered hugely. With the wave of -- setting scandals that we have had to deal with. These these problems technical. It's damaged the reputation of firms right across the industry whether directly involved in a particular product on -- And we've got to work with you with the industry to put that writes he will continue to see. I'll focus on enforcement as providing credible to Terrence to the industry. -- not expect to see a change in our appetites to tackle serious cases of wrongdoing in the market. Credible -- remains central to our strategy. We will continues continual fight against market abuse against insider trading. That's a fight that executed twenty criminal convictions over the last three it is we will continue. To stop unauthorized those taking advantage of consumers. We'll set high expectations. For those -- who wants to sell products to retail clients in the industry. But we will also look at all processes to control -- we ourselves did not become a -- out some new entrants to innovation within the industry. We will take forward a strong interest in the fair treatment of consumers. It's an agenda that's been around for many years but it becomes a much stronger parts of the CA agenda."^^<http://www.w3.org/2001/XMLSchema#string>
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