Good afternoon, it's a pleasure to be here today.
Today I want to talk to you about how we intend to deliver regulation in future, moving away from a reliance on orthodoxies that have failed. I want to explain to you the cultural change that is needed in firms and at the regulator and look at how the new model may work in practice, in particular how new powers like product intervention could deliver a better consumer experience.
In considering all of this, it's important to understan
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