Depolarisation will not mean the end of the intermediary

Few people in this industry have the vision to realise we are embarking on a seismic change to our existing business models. All our previous beliefs and experience are now in question. Who would have thought back in 1999 that the FTSE would fall to 3600 this year. I certainly never thought, when I saw Aberdeen Asset Management's share price at £7, that I would see it fall to 92p. And who would have thought in 1999/00, when investors were tripping over themselves to fill out their Isa application forms, that we would be sitting in a market with such tremendous investor apathy. S...