Structured products are like zebras - black and white. I guess you could say they are also like Marmite - you either love them or hate them.
Is it called Blue Monday because the Prime Minister decided to start next year's election campaign on Monday last week?
There has been much talk post-Lehmans about restoring trust in the industry, but, when you hear that, people are largely referring to the wider financial services industry.
As we head towards the end of the year the industry begins to focus on tax-efficient planning and the amount of ‘subsidy' given in tax breaks comes back in the firing line.