Many have assumed that the Consumer Duty is a fixed piece of regulation, a tablet handed down from upon high about how to be decent to clients.

I never thought I’d see former professional footballers march through central London to protest about financial scams and poor regulation but that’s exactly what happened this week.

It’s been a bad week for some adviser firms with no fewer than seven being declared as failed or under investigation by the Financial Services Compensation Scheme.

I have to confess I was quite pleased this week when Aegon pension sage Steven Cameron raised an issue that many have neglected: the fairness of the State Pension.