The financial world used to be straightforward for consumers. They knew where to go and who to ask for the financial products they needed. In recent years, however, the market for financial services has changed almost beyond recognition. Today thousands of types of financial services’ products are available from a growing number of organisations. Consumers may have to assess many different products and suppliers before they can make the right choices for their own personal circumstances. Consumers have far more choice. Ten years ago, who…

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