‘Not sure’ is the very brief answer. A slight longer answer might be ‘not sure there is such a thing’. On balance I’d probably opt for the second slightly longer version.

The countdown to meet the RDR requirements of the Financial Services Authority (FSA) has now started in earnest with the deadline for investment advisers and wealth managers to attain Qualifications Credit Framework (QCF) level 4 qualification is now less than 12 months away.

Come Monday, there will be just 100 weekend study-days remaining before the RDR Professionalism deadline. For many, that’s a scary thought.

We have invested a considerable amount of resource into this, why are we not getting a considerable amount of return? This is a question that resonates around many a boardroom following an investment in new technology.