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Humble cap in hand

What an exciting year we have in store. Elections, stakeholder, polarisation, N2, more consolidation and perhaps even some guidance over long-term care provision.

After taking a reality check, the Government may end up eating some humble pie over the stakeholder charging cap, so that those within the new pensions catchment group can actually get some good advice over what is one of the most important purchases they will make in their life.

L&G will finally realise that it cannot make a success of stakeholder for many years.

The new Conservative Gov ernment will bow to common sense and scrap the previous incumbents&#39 bizarre review of polarisation, with the realisation that, as the Consumers&#39 Association says, the status quo is in the public&#39s interest.

More consolidation in the industry will see a strange Z appearing in the sky over Gloucester shire.

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