Are you in or are you out?

While an apology may be due because the photo on the left is a lot scarier than the previous incumbent's, none will be forthcoming for what could, in places, be seen as something of a one-track issue. The unprepossessing little acronym, TCF, is to be found in this month's Viewpoint on page 4, in our Adviser Clinic on page 18 and in the RealAdviser Inquiry on page 38. The idea of Treating Customers Fairly may contain a whiff of this Government's trademark nanny mentality - "Johnny, don't bite Billy. Treat him fairly" - and, in its way, it is terrifying that an industry so reliant on repeat ...