'Getting governance right first creates the foundation for everything else'

Positive change takes time

'HMRC has had years to clear this up but has sat on its hands'

Most of the demand to come from mid-career workers

'The gap between product complexity and consumer understanding is not narrowing'

'Advisers can't afford to be complacent when it comes to AI'

'You cannot outrun a broken process by adding more people to it'

'This is an old-fashioned economic shock'

'The debate is about execution and consistency'

'Vulnerability ebbs and flows over time. Resilience changes. Beliefs may evolve'