Laura Suter: ISAs? There should be only 'One'

During my regular chats about ISAs in the office, the other day a colleague and I found ourselves debating whether there were six or seven ISAs. Spoiler alert: it all comes down to whether you count cash and stocks and shares versions of Junior ISAs as one or two - yet, aside from illustrating just how thrilling our working day can be, it struck me that if even the experts in the industry cannot put their finger on it, how are the general public meant to? The ISA system is ripe for simplification - and achieving this would not actually be too tricky. The Help to Buy ISA is disappearin...