1985, manufacturing is in decline and UK financial services has just started to unleash its commanding power over the economy for the next 25 years until the credit crunch bites. Sales of retail financial products and advice proliferated as banks, insurance companies and financial advisers scramble for market share. Regulation and regulators along with advice models traverse an ever growing understanding of the effects of the financial sales advice and service that has gone before, mortgages and endowments being good examples. To a significant extent successful selling is what financial...