Do consultation responses matter?

So far I think I have either read or discussed around 14 submissions, (and thanks to IFAonline hopefully you’ve got the gist of these too), and I’m pretty sure there are some still to come, so what exactly is the point of these submissions and are they saying anything different? The personal accounts part of the white paper was one of the ‘greener’ parts of a document which many referred to in the build up to its release as a peppermint shade of white. Personal accounts are something which Christine Farnish, chief executive of the National Association of Pension Funds (NAPF), today point...