This event has now taken place.

If you wish to download the slides scroll to the bottom of the page. 

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for hosting:

"ACCELERATING OUR JOURNEY TOWARDS A GREEN ECONOMY, BEFORE IT'S TOO LATE"

NOTE THAT STUDENTS AND STAFF AT IMPERIAL COLLEGE MAY SELECT THE FREE TICKET OPTION 

 

If you already know you want to attend

 

Please click on the button below to secure your place, however: please note that the Transparency Task Force is a not-for-profit and whilst the revenues we generate from our symposia are mission-critical to keeping the Transparency Task Force afloat, if the Standard Ticket Price (£85) is genuinely beyond your budget, not to worry - please be quick to Email us a request to alter the price for you and we'll adjust as necessary. 

 

So if you genuinely require a price reduction please Email andy.agathangelou@transparencytaskforce.org advising what price you want to pay. 

 

Of course, if you can afford the Standard Ticket Price please just crack on and use the link below to secure your place, we desperately need all the support we can get !

 

You can pay through credit card or invoice. 

 

Thank you!

NOTE THAT STUDENTS AND STAFF AT IMPERIAL COLLEGE MAY SELECT THE FREE TICKET OPTION 

If you haven't been to a Transparency Symposium before you can use the link below to read some testimonials:

When and where is the event?

Registration is at 18:00 for an 18:30 start; ending at 20:00 at:

Imperial College Business School,

South Kensington Campus, Ayrton Road, London SW7 2AZ

Note that the entrance is via Exhibition Road

What has inspired this symposium?

 

In general terms, our idea for this symposoum is to bring together the main financial services regulators, climate change campaign groups, progressively-minded market participants and subject-matter experts to discuss and debate the role that the financial services sector can play in helping to deal with climate change, and more specifically what might become climate catastrophe.

 

If you believe Sir David Attenborough’s comments at the UN climate change conference on Monday 3rd December 2018 to be credible, there really is quite a bit to worry about. 

 

His message was:

 

“Right now we are facing a man-made disaster of global scale, our greatest threat in thousands of years: climate change.

 

If we don't take action, the collapse of our civilizations and the extinction of much of the natural world is on the horizon."

 

The stakes really couldn’t be any higher and many people within the Transparency Task Force community are convinced the financial services sector as a whole could and should be doing much more than we are to help deal with the problem. 

 

Of course, we are exposed to many grave challenges in the world right now. We are having to face up to serious political, social and economic challenges; none of them have easy solutions.

 

However, in the overall scheme of things, nothing; absolutely nothing is nearly as important as taking care of our planet.

 

Everything we have, everything we are and everything we might one day become is dependent on the wellbeing of a planet we are all fortunate enough to live on; a planet we are collectively harming; minute by minute.

 

According to many experts, we are getting perilously close to the point of no return; i.e. the point at which we become fated to harming our world so much that its wellbeing (and therefore ours) is irreconcilably jeopardised.

 

Any serious analysis of global warning results in one stark conclusion: unless mankind makes drastic changes to first halt and then reverse our awful impact on a planet as fragile as it once was immaculate, we are destined to climate catastrophe.

 

So, in plain and blunt English: unless there is a massive and authentic commitment to drastic change we’re most probably going to wreck the one thing we shouldn’t take for granted; our world.

 

We don’t have a spare one.

 

The only possibility to reverse things is if all parts of the world economy in all parts of the world morph into a new, green form of themselves that is no longer toxic to the planet.

 

Unless we accelerate to a green economy before it’s too late then it will be…too late.

 

It isn’t rocket science; sadly, it’s becoming blindingly obvious to everybody; except of course those that are suffering such an extreme form of cognitive dissonance that they are in denial.

 

Fortunately, in relative terms there aren’t that many of them; but unfortunately they include the most powerful person in the world.

 

Every part of the world economy needs to adapt; and every part of the world’s economy has the potential to make a significant difference; none more so than the financial services sector.

 

There is no doubt that, despite its many shortcomings, the financial services sector can be enormously influential. The world’s capital markets have the potential to unlock the truly awesome power of money and use it to strategically overhaul the flows of capital.

 

We already know that the way money is utilised can have an enormous impact on the behaviour of individuals, organisations, markets, societies and countries.

 

We need money to go where it can do real good in the real economy; and to stop going to where it is doing harm.

 

However, that’s going to take an enormous change to the way the world’s financial ecosystem works. We need to think about many things very differently.

 

The good news is that in the UK at least, all our financial services regulators are gearing up to play a part in driving the reforms necessary. But we can do more than just follow the direction given to us by the regulators.

 

We, the financial services industry as a whole, can share in the responsibility for leading the way.

 

Now is a time for leadership; and on that basis this could be a very important symposium, because we are hoping to create an opportunity for the Financial Conduct Authority, the Pensions Regulator, the Bank of England and the Financial Reporting Council to share with us what they are planning to do to help drive the change that is necessary.

 

We will also be addressed by subject matter experts who will “say it as they see it” and in so doing alert us to just how serious our planetary predicament has become.

 

The key question this symposium will be responding to is:

 

“What can we do to accelerate our journey towards a green economy, before it’s too late?”

 

We think the answer is “quite a bit, actually,” because we believe that there is significant scope to improve the way the financial services sector influences what happens in our world.

 

If you are on the same wavelength, please don't 'stand by', please 'stand up' - we need all the help we can get to galvanise support for radical and rapid reform before it is too late.

 

Clearly, there is going to be a great deal to discuss!

What's the format going to be?

 

To provide the maximum opportunity for all delegates to get fully involved we have structured the event around presentations with Q&A which will help create a useful forum for sharing thought leadership and exploring what more the financial services sector can do to help deal with the impending risk of climate catastrophe.

 

If all goes to plan there will be input from senior people at the relevant financial services regulators, talks by subject-matter experts and highly interested stakeholders; and of course ample scope for all delegates to participate in the discussion and debate.

Who shouldn't miss this symposium?

 

This symposium is going to bravely attempt to deal with questions of immense importance to everybody concerned about climate change; particularly those wanting to better understand the position the financial services regulators are taking on the issue, and whether they think the regulators could and should be doing more. 

 

We're expecting it to be a very stimulating, engaging and thought-provoking session of very special importance to

 

  • Students and staff at Imperial College

  • Climate change campaign groups

  • ESG Specialists

  • CSR Specialists

  • Responsible Investing specialists

  • Impact Investing specialists

  • Those with a keen interest in the purposefulness of finance

  • Regulators

  • Compliance professionals

  • Risk managers

  • Industry leaders

  • Consumer groups and individual consumers

  • Regulated firms

  • Policy-makers and regulatory bodies

  • Industry experts

  • Think tanks

  • Asset Managers and Investment Consultants

  • Pension Trustees; professional and lay 
  • Industry Observers, Commentators; the Media in General
  • Academics and researchers
  • Pensions Policymakers and Regulators; UK and overseas
  • Pension scheme trustees; professional and lay
  • Parliamentarians with an interest in climate change
  • Members of the Department for Work & Pensions
  • Members of the Financial Conduct Authority

  • Members of the Competition & Markets Authority

  • Members of the Work and Pensions Committee

  • Members of the Bank of England

  • Members of the Financial Reporting Council 

  • Legal Professionals

  • Pension Professionals

  • Financial Services Trade Bodies and Professional Associations

  • Academics and researchers in governance, stewardship, ethics, conduct and compliance in financial services
  • Civil Society Groups with an interest in financial services reform; and many more...

NOTE THAT STUDENTS AND STAFF AT IMPERIAL COLLEGE MAY SELECT THE FREE TICKET OPTION 

What's the Programme?

The programme will evolve continuously as the details comes into focus. The latest iteration is set out below and as you will see we have packed the agenda with hot topics of great importance.

 

18:00 

Registration, drinks, nibbles and networking.

 

18:30

Dr Mirabelle Muuls, Assistant Professor in Economics, Imperial College, London, to open the event.

 

18:35

Andy Agathangelou, Founder of the Transparency Task Force to introduce the Transparency Task Force and set the scene for the event, explaining its importance and how it fits into the Transparency Task Force's overall strategy for driving change.

 

Andy will also be presenting the Transparency Trophy to one of the attendees. Who will be the latest winner of this prestigious prize? It is awarded at each of our transparency symposia to an individual that is encouraging pro-transparency finance reform.

 

18:40

Presentation #1, delivered by

Joe St Clair, UK Director, World Sustainability Forum

 

Joe will be exposing the mountain of scientific and academic research pointing to why we should be seriously concerned about the potential risks that 5G may cause the planet and life on it. 

 

Consider this:

  • "Is there a chance that 5G might 'micro-wave' life on Earth?" 
  • "There isn't a Planet B, so why are we getting 5G?"
  • If you are not already aware of the potential perils of 5G, Google it!

Will 5G tip us over the edge? - or are the scientists and academics who are claiming there are serious issues with 5G getting it all wrong?

 

Is it a problem we should know about even if the concerned scientists and academics are only 10% right? 

 

19:00

Presentation #2, delivered by

Caroline Hopper, Senior Writer, Quietroom

 

Caroline will show a new video that has been specially produced. It is about the public’s attitude to responsible investing.

 

The evidence shows that pension scheme members’ interest in where their money is invested could be the key to getting them more engaged in financial services; and thereby increase interest and demand for investment solutions that can provide decent returns without harming the planet to achieve them.

 

19:10

Presentation #3, delivered by

Sital Cheema, Sustainability Investment Consultant and BSI Steering Group Member

 

As you may be aware, the British Standards Institute have embarked on a major international project to introduce standards in relation to sustainability.

 

This is a very important initiative which may help to properly establish exactly what is meant in relation to the language surrounding sustainability and thereby help to accelerate progress. 

 

Sital is a member of the BSI Steering Group helping tp lead the project; she will be explaining the thinking behind the initiative, who else is involved, and what is being planned.

 

19:20

Presentation #4, delivered by 

Sunil Murlidhar Shastri, Director, Ocean Governance

 

Sunil will be talking about the importance of environmental governance.

 

19:30

Power Panel: Moderated by Dr Mirabelle Muuls, Assistant Professor in Economics, Imperial College, London, 

 

Julia Dreblow, SRI Services

 

Henry Greenwood, Founder & MD, Green Schools Project

 

Peter Uhlenbruch, Research and Engagement Manager, ShareAction

 

Nick Spencer, Sustainable Investment Advisor, Gordian Advice

 

19:55

Final conclusions, wrap-up & close

 

20:00

Final close

Key participants thus far

(Several others being added soon)

Andy Agathangelou FRSA,

Founding Chair,

Transparency Task Force

 

Andy will be Chairing the Symposium. His overall objective is to galvanise support for the idea that greater transparency in financial services can drive positive, transformational change for the benefit of all.

 

 

Andy formed the Transparency Task Force following a meeting he led at Senate House, University of London on 6th May 2015. The meeting was the about the trust deficit that is impacting financial services and how harnessing the transformational power of transparency can drive the change that is needed.

 

That meeting set off a chain of events that led directly to the creation of our collaborative, campaigning community which is built on the idea that 'Sunlight is the Best Disinfectant'. 

 

Since 6th May 2015 he has recruited, organised and mobilised over 300 volunteers around the world into 18 Teams: 

 

- Team GTI (Global Transparency Index)

The Market Integrity Team

- The Costs & Charges Team

The Foreign Exchange Team

- Team EMEA

- The Pensions Team

- The Fintech Team

The Communications Team

- The Banking Team

The Financial Planning Team

The Anti-Scams Team

- Team PISCES (Purpose; Impact Investing; Sustainability;               Corporate Social Responsibility; Environment, Social &                 Governance; Socially-Responsible Investing)

- Asset Management Team

The Financial Stability Team

Team APAC

Team Americas

The Investment Consulting & Fiduciary Management Team

- The Governance, Compliance, Risk, Legal & Regulatory Team

 

Our 18 Teams are the 'engine room' of the Transparency Task Force's work. Each Team is focused on a particular set of opacity-related challenges whereby subject-matter experts work together on a completely voluntary basis to develop and implement strategies to overcome those challenges.

 

 Andy is also:

  • Founding Chair, the Technology Task Force
  • Chair, the Interoperability Steering Group
  • Governor, Pensions Policy Institute
  • Fellow, the RSA
  • Chair, Pensions BIB,
  • Member, Investment Association Advisory Board on Cost Disclosure
  • Former Founding Chair, Friends of Auto Enrolment
  • Former Founding Chair, Friends of the Association of Member Nominated Trustees
Sital Cheema,
Sustainability Investment Consultant,
Jaanu Consulting
 

Sital has15 years of investment experience across a broad range of disciplines including ESG and Climate Change Specialist, Chair of Global Thought Leadership Forum, institutional DB and DC business development, building strong investment consultant / client relationships as well as researching fund managers and monitoring their ongoing performance via due diligence.

 

Sital is responsible for publications, research and thought leadership, trustee training and advising institutional clients on how to genuinely integrate ESG into their overall investment strategy and underlying portfolios.

 

She speaks at conferences, sits on discussion panels and drives regulation forward through government consultation and draft reviews of new legislation.

 

In March 2019, she was appointed Steering Group Member to provide technical expertise on the BSI's Sustainability Investment Management Standards Project to develop PAS 7341.

 

Sital is an advocate of enhanced transparency of both physical and transition risks associated with climate change. Her ambition is to encourage a collaborative standardised approach leveraging the existing TCFD framework, Cambridge Impact Framework, ClimateWise Physical and Transition Risk Frameworks and SASB's model from the stock level upwards.

 

Transparency Task Force Ambassador (February 2019)

 

Member of the Sustainable Finance Network.

Joe St Clair,
UK Director,
World Sustainability Development Forum
 

After a successful 18-year career as a Senior Executive at ‘Nationwide Building Society’ managing large projects and internal departments, Joe then enjoyed a second career as an ‘International Management Consultant’ for Logica/CMG working all over the world at Board level in some of the world’s leading Companies solving corporate problems.

 

His clients included Vodafone, M&S, DHL, Nat West, Prudential, EE, Thomas Cook, Morgan Stanley, The Environment Agency and many others.

 

In addition to his corporate work Joe is an established professional Writer and Conference Speaker with over 3000 articles published to date in leading magazines as well as the author of a number of books. He is also a fully qualified Life Coach, Hypnotherapist, ‘Reiki Energy Healer’ and Entrepreneur. 

 

From 2014-2018 Joe worked closely with eminent philosopher, scientist and writer Ervin Laszlo and was the Managing Director of the ‘Laszlo Institute of New Paradigm Research’ (L-INPR) in Tuscany, Italy – a conference centre and think-tank which brings together world experts in the fields of holistic and alternative health, consciousness, spirituality, sustainability and world issues.  

Joe is the author of the best-selling life-coaching book ‘100 Tips for Total Life Fulfilment’ with more books to be published in 2019 including ‘EarthPulse’ which analyses and attempts to solve the world’s most critical problems including climate change, pollution, poverty, corporate corruption, deforestation and human rights. In 2016 Joe was invited to take on the role of ‘Global President’ of ‘Eternea’ the US based organisation founded by the 6th man-on-the-moon, Astronaut Edgar Mitchell. Eternea is an organisation focused on research into Consciousness, Immortality and World Issues.

 

Joe is also the newly appointed UK Director of the “World Sustainability Development Forum” (WSDF) which is focused on meeting the targets of the ‘Sustainable Development Goals’ (SDG’s) and the ‘Paris Agreement’ on climate change, and works closely with WSDF Global President, Dr. Rajendra Pachauri, former Chairman of the IPCC (Inter-governmental Panel on Climate Change).

Julia Dreblow,
Director,
SRI Services &
Founder,
Fund EcoMarket
 

Julia is known for her longstanding experience in and passion for retail, sustainable, responsible and ethical investment.  She now runs her own business, SRI Services, that specialises in raising the profile of this area.  Much of this work focuses on Fund EcoMarket  the open to all, whole of market, (fund manager sponsored) fund tool that brings together information on SRI, ESG and related funds.  

Its primary purpose is to help financial services intermediaries to understand these funds options and help users match funds to diverse client aims. Her other work includes consultancy, events, media and responding to policy consultations.

 

Julia was recently re-elected to the UKSIF board director and is on the TTF advisory board.

 

Julia’s career in financial began at NPI in 1989.  She later moved to Friends Provident where she worked for 12 years as SRI (Sustainable & Responsible Investment) Marketing Manager.  She served on the UKSIF main board from 2002 – 09 where she chaired their highly successful retail sub-committee and helped set up Good Money Week.  Her work was Highly Commended in the Corporation of London Sustainable City awards in 2015. 

Peter Uhlenbruch,
AODP Investor Engagement Officer.
ShareAction
 

Peter Uhlenbruch currently leads investor engagement within ShareAction for the Asset Owners Disclosure Project (AODP), which publicly assesses and ranks how the world’s largest institutional investors are strategically responding to climate change. 

He is also the lead author of the ‘Winning Climate Strategies’ research report, which comprehensively reviews the leading climate strategies of 22 global asset owners including common features, barriers faced and practical advice for other asset owners.

 

He has a background in teaching business ethics at a range of Australian universities (including Monash University and RMIT) as well as industry experience in corporate governance research (at Ownership Matters), ESG ratings research (MSCI) and climate governance research (CDP). 

 
Nick Spencer,

Sustainable Investment Advisor,

Gordian Advice

 

Nick Spencer is an actuary and a sustainable investment strategist focused on integrating long-term environment, societal and governance influences into investment strategies and portfolios.

 

Before creating his own sustainable advisory boutique, Gordian Advice, Nick was the EMEA lead on Responsible Investing for Russell Investments & is a member of the Institute and Faculty of Actuaries (IFoA) Resource & Environment Board.

 

Nick is a recognised industry thought-leader and recently co-authored an IFoA working party paper on climate change considerations for actuarial financial assumptions and the role of scenario analysis (https://www.actuaries.org.uk/documents/considerations-setting-financial-assumptions).

Henry Greenwood,

Founder and Managing Director,

Green Schools Project

 

Henry Greenwood was a Maths teacher for 12 years after training in the first cohort of Teach First in 2003.

 

At Kingsmead School he developed the role of Sustainability Coordinator before spending 2 years as Head of Maths at Skinners' Academy in Hackney.

 

In September 2015 he left full time teaching to set up Green Schools Project, an award winning organisation that helps schools to set up and run a student-led environmental programme.

Caroline Hopper,

Senior Writer,

Quietroom

 

Caroline is a senior writer at Quietroom, a team of writers, trainers and strategists.

 

Quietroom works with organisations that have tricky stories to tell, helping them talk in a way that’s clear, vivid and real. Clear so their story makes sense, vivid so their ideas come to life, and real so their message sticks.

 

Caroline’s worked with financial services organisations, government departments, health insurers and hospitals. She’s helped them use language in a way that connects with the reader, strengthens relationships, and helps people make smarter decisions about the things that matter to them.

Sunil Murlidhar Shastri FRGS FRSA,

Director,

Ocean Governance 

 

Sunil Murlidhar Shastri is a consultant, expert and speaker in ocean and environmental governance.  He found his passion for Pacem in Maribus in 1982 and has since made it his mission.  He is a well-known and frequent speaker on these issues. 

 

Sunil has attended, at various times, Indian Institute of Technology Kharagpur, International Ocean Institute, Aachen Technical University, Dalhousie University, London School of Economics and Harvard Kennedy School.  

 

Before going independent, Sunil was an academic and researcher in marine policy, a consulting ocean engineer, an academic in mining and a researcher in blasting physics.  

 

He is a Rotary Paul Harris Fellow. 

 

Born in India in 1955, Sunil has lived in the UK since 1988 with his wife and their son. 

Dr Mirabelle Muuls,

Assistant Professor in Economics,

Imperial College Business School

 

Dr Mirabelle Muûls is an Assistant Professor in Economics at the Imperial College Business School and was a lecturer at the Grantham Institute until recently.

 

Mirabelle is the programme director of the MSc Climate Change, Management and Finance. She is also a Research Associate in the Centre for Economic Performanceat the London School of Economics.  Her current research focuses on the economics of climate change, seeking in particular to understand the impact of climate change policies and climate change on firms' emissions, energy efficiency, innovation, competitiveness and performance.

 

Her research interests also cover international trade and globalisation. Mirabelle studied economics at the FUSL and Université Catholique de Louvain in Belgium, and holds an MSc in Politics of the World Economy and a PhD in Economics from the London School of Economics.

 

She previously held an Imperial College Junior Research Fellowship. In 2015, she was awarded together with her colleagues the Erik Kempe Award in Environmental and Resource Economics for their publication in the American Economic Review, "Industry Compensation Under Relocation Risk: A Firm-Level Analysis of the EU Emissions Trading Scheme" whilst in 2014 she received jointly with her co-author the Robert Mundell Prize

To secure your place 

 

Please click on the button below to secure your place, however: please note that the Transparency Task Force is a not-for-profit and whilst the revenues we generate from our symposia are mission-critical to keeping the Transparency Task Force afloat, if the Standard Ticket Price (£85) is genuinely beyond your budget, not to worry - please be quick to Email us a request to alter the price for you and we'll adjust as necessary. 

 

So if you genuinely require a price reduction please Email andy.agathangelou@transparencytaskforce.org advising what price you want to pay. 

 

Of course, if you can afford the Standard Ticket Price please just crack on and use the link below to secure your place, we desperately need all the support we can get !

 

You can pay through credit card or invoice. 

 

Thank you

NOTE THAT STUDENTS AND STAFF AT IMPERIAL COLLEGE MAY SELECT THE FREE TICKET OPTION 

Slides used at "Time for transparency - Accelerating our journey towards a green economy, before it's too late"
TS London 22nd May 2019.pdf
Adobe Acrobat document [7.0 MB]

The Great Divide

You can read the speech by  Andrew G. Haldane, FAcSS (the Bank of England's Chief Economist and Executive Director of Monetary Analysis and Statistics) that he gave on 18th May 2016 at the New City Agenda Annual dinner.

 

The speech is entitled The Great Divide and it is a first class explanation of why the trust deficit really matters and why it makes sense to try to do something about it.

 

Please click on the green button to access it; if you're not convinced of its relevance to our initiative, here's part of it:

 

..."The most important and compelling message the Bank received at the Open Forum came in the first session. The Bank had conducted some polling of perceptions of the financial sector – for example, by asking people what one word best described the future of financial markets. Among the Bank’s usual contacts, including those in the financial sector, the most used word was “regulated”. Many of us will have heard that message from financial insiders concerned about the perils of over-zealous regulators.

 

For me, the more revealing responses came from the general public, from the customers, rather than the producers, of financial services. The word most used by them when describing financial markets was a rather different one: it was “corrupt”. Not far behind were words like “manipulated”, “self-serving”, “destructive” and “greedy”. I am sure many of you have heard those messages too. They are certainly ones I have encountered frequently on my visits around the country."...

 

Please click the green button  below to access the full speech. If you need to read another piece first, here it is:

 

..."At least until recently many economists like me, when faced with this evidence, might have shrugged our shoulders. Social capital had no real role in our models of economic growth, unlike physical capital and human capital. Trust did not butter our parsnips and nor did it enter our production functions.

 

Recently, however, that orthodoxy has changed and the importance of trust has become clearer.

 

Evidence has emerged, both micro and macro, to suggest trust may play a crucial role in value creation. At the micro level, there is now ample evidence the degree of trust or social capital within a company contributes positively to its value creation capacity. 

 

At the macro level, there is now a strong body of evidence, looking across a large range of countries and over long periods of time, that high levels of trust and co-operation are associated with higher economic growth.

 

Put differently, a lack of trust jeopardises one of finance’s key societal functions – higher growth.

 

Those social capital effects appear to be particularly potent when it comes to financial decisions. Evidence suggests that a lack of trust leads people to retreat from the stock market and banks and to move towards cash holdings and informal sources of credit, such as payday lenders and loan sharks. That jeopardises the second key benefit of finance to society – improved risk-sharing by households and companies.

 

So a lack of trust in finance potentially hobbles both economic growth and financial stability.

 

That lack of trust is the mirror-image of the perception gap between the financial sector and wider society, the Great Divide.

 

The Great Divide matters because it signals a pronounced and protracted erosion of social capital. It puts finance on notice for losing its social licence. And, unaddressed, that jeopardises future wealth and well-being."...

 

Please click on the green button to access the full speech. If you're not yet convinced you should, here's a final snippet:

 

..." As a survey in 2013 of financial professionals found, rather remarkably, that over half believed their competitors engaged in illegal or unethical behaviour.  A smaller, but still high, fraction of 24% believed their own company engaged in such practices. Similar percentages believed their industry did not fulfil its fiduciary function of putting clients’ interests first.

The significance of these findings is not the precise percentages, as striking as these are.

 

More fundamentally, it is because of what they reveal about finance’s perception of itself, the mirror it holds to the social identity of finance."...

 

Click onto the button below to access the full speech; you'll be glad you did, it's profoundly thought-provoking for anybody interested in the future of the financial services industry:

If you are not already on the right page and want to read about our major international project to help rebuild trustworthiness and confidence in financial services, click on the orange button below:

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