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The war stories emerging from the 2007/2008 financial crisis predominantly blame the bankers for its creation, in tandem with allegations of weak regulation. Since the mid noughties the UK financial services regulatory regime has undergone a significant overhaul, resulting in a far tougher regulator with a keen eye on individual accountability.

Workplaces are getting better at adapting to meet the needs of their employees, according to expert speakers at the CIPD's People Conference in Guernsey, sponsored by Carey Olsen.