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In the overall context of UK financial services , this may not register as a seismic achievement , but we have consistently invested over our lifetime, spent a year in the FCA sandbox and pioneered new practices to measure performance which will deliver value over time. Right now, we are investing again , developing an application that integrates online quotes for pensions and annuities which helps people work out how much of their retirement wealth they want as a wage in later age.

Sadly, our original management team did not last long, Chris and Ritesh decided to start ClearGlass , a great success and took the tech team with them. Luckily we had a plan B in patient shareholders and we have rebuilt to deliver software as a service to an underserved market.

Our next challenge is to reward out patient shareholders and I hope to have an announcement on that early next year. We are not a unicorn, but we are a well run business with a strong order book. Enough of the corporate puff. I had originally pinned our hopes on creating pooling for pensions using the weight of money accumulating in master trusts, but this is proving commercially difficult.

A financial model has yet to emerge to support this endeavour. As in Australia, there is not great appetite amongst the master trust funders to run savings on into the spending phase of a whole of life pension. Those who have the capital can see only risk and expense from the CDC regulations. By contrast, the guidelines emerging from negotiations between the would be superfunds and the Pension Regulator have resulted in a working model that is attracting capital to pensions.