Today is Groundhog Day, made famous by Bill Murray's film of the same name, in which Murray's character is forced to continually re-live 2 February.
Sometimes it can feel as if the financial services industry is stuck in its own version of Groundhog Day, with a seemingly never-ending stream of consultations and debates on subjects with never seem to move on.
Issues including pensions reform, the definition of independence and the competence of regulators seem to have gone nowhere over the years.
Here are just a few of the issues we believe have left advisers feeling like they have been living a Groundhog Day of their own. Let us know your thoughts, and vote in our poll on the industry page.
The reform of state and private pensions has been a thorny issue for more than a decade. As more employers ditch their unsustainable final salary schemes, the pressure to encourage private pension savings has grown.
It has been more than five years since the Turner Review of Pensions advised the Government to implement auto-enrolment, yet the rollout has been subject to constant delays, and there remains a chance a Conservative Government could scrap the Personal Accounts scheme altogether.
The definition of independent advice has troubled the FSA every since its creation, and it has embarked on two major projects to implement its own vision of a truly independent financial adviser.
Depolarisation in 2005 aimed to divide advisers into independent and tied categories, with only those who could search the entire market granted the independent label.
But this was not enough, and in 2006 the FSA launched the Retail Distribution Review, to remove the role of providers in influencing IFAs' decisions.
RDR is now at an advanced stage, but many wonder if it really will bring an end to issues such as mis-selling and business churning. Perhaps more importantly, will the public really know or care whether their adviser is truly independent?
Even the FSA itself is merely the latest incarnation in a long string of regulatory bodies, currently faced with extinction if the Conservatives make sweeping reforms to the tripartite system of regulation.
Many in the industry doubt a new regulator - with a new name and logo - will finally bring stability to financial services.
Unbundling of platform charges, filling the protection gap and defining client responsibilities have also been subject to intense debate, with little sign of consensus.
We are keen to hear your views on these topics, and whether you think any of them can be resolved. If you could only focus on one, which is the most important for the industry?
You can leave your comments in the box below, or vote in our poll here.
They join the technical teams
'It's about outcomes'
New technology categories
'Significant impact on bottom line'