It is thought that the FSA does not want responsibility, believing, probably correctly, that it has enough on its plate while personal injury claims are definitely not its area.The Law Society – undergoing its own reforms – is seen by some as insufficiently distant. The Claims Standards Council is thought to lack muscle. The latter two bodies might feel too much like self-regulation.So, what should the Govern-ment do? MM suggests that the weaknesses and strengths of each organisation should be considered. The willingness or resistance of each organisation to take the role is factor but it should not be the only one. Finally, maybe it needs a new body altogether. But even if the only problem was the activities impacting on the endowment review, it is clear that something must be done and quickly.