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“I do not think structured products will be a widespread problem. I think these products have been sold intensively in small areas but will not be a big concern for the industry.”Graham Laverick, WR Financial Management “If you look at their history, structured products to date have not made their target projections. So, yes, I think there could be a misselling scandal.”Graham Smith, Blythswood Associates

“Yes, and I think there is already evidence of it. Intrinsically, they are dangerous products to have anyway. There is potentially a requirement for the adviser to do due diligence on the bank which is providing the guarantees and I do not think any IFA has the time or inclination to go that far.” Keith Thomson, Blackadders

“I do not think I agree with this. There are far bigger concerns coming up ahead of mortgage regulation.”Wolfgang Geissler, Geissler Financial Services “Yes, this will be a problem area but I think endowments will continue to be a concern.” Eddie Low, Eddie Low Independent Financial Solutions

“Yes, they are likely to find another scapegoat soon and it could be this sector.”Michael Krause, Lighthouse Financial Services

“Yes, I suspect this will be true although it should not be. They carry a risk but the literature explains that.”Adrian Hall, CBC UK

“Yes. Hindsight plays a big part and it is not necessarily fair but I think it probably will be.” Mike Baughan, Chessman & Partners

Yes 75%

No 25%

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