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<br /> ISSUE 58<br /> MARCH<br /> 2012<br /> icaew.com/fsf<br /> FS FOCUS<br /> “WE ARE NOT A FINANCIALLY LITERATE NATION” PAGE 12<br /> Back to school<br /> Improving the UK's<br /> financial literacy<br /> Seeing the wood<br /> for the trees<br /> How to police<br /> mortgage lenders<br /> World according<br /> to GAAP<br /> Accounting<br /> for insurance<br /> companies<br /> Shadow banking<br /> Can it fill the financial gap?<br /> Steve Harley – Relationship Director, Lloyds Bank Wholesale Banking & Markets<br /> Peter Harris – Co-Founder, Hotel Chocolat<br /> THE PERFECT<br /> RELATIONSHIP.<br /> A RECIPE FOR Ever since they opened for business back in 2004,<br /> Hotel Chocolat has chosen to do things differently.<br /> When the chocolatiers decided to invest in t<a title="FSFocus page 1" href="http://viewer.zmags.com/publication/ccf3ab7c?page=1"> ISSUE 58 MARCH 2012 icaew.com/fsf FS FOCUS “WE</a> <a title="FSFocus page 2" href="http://viewer.zmags.com/publication/ccf3ab7c?page=2"> Steve Harley – Relationship Director, Lloyds Bank</a> <a title="FSFocus page 3" href="http://viewer.zmags.com/publication/ccf3ab7c?page=3"> FS FOCUS Contents Issue 58 March 2012 COVER </a> <a title="FSFocus page 4" href="http://viewer.zmags.com/publication/ccf3ab7c?page=4"> FS FOCUS Market failures: market solutions? </a> <a title="FSFocus page 5" href="http://viewer.zmags.com/publication/ccf3ab7c?page=5"> NEWS From the faculty WWW.PARLIAMENT.UK SEM</a> <a title="FSFocus page 6" href="http://viewer.zmags.com/publication/ccf3ab7c?page=6"> FS FOCUS Events calendar MASTERFILE EVENT R</a> <a title="FSFocus page 7" href="http://viewer.zmags.com/publication/ccf3ab7c?page=7"> GLOBAL PROFESSIONAL RECRUITMENT Proud spons</a> <a title="FSFocus page 8" href="http://viewer.zmags.com/publication/ccf3ab7c?page=8"> FS FOCUS </a> <a title="FSFocus page 9" href="http://viewer.zmags.com/publication/ccf3ab7c?page=9"> COVER STORY S hadow b</a> <a title="FSFocus page 10" href="http://viewer.zmags.com/publication/ccf3ab7c?page=10"> FS FOCUS innov</a> <a title="FSFocus page 11" href="http://viewer.zmags.com/publication/ccf3ab7c?page=11"> COVER STORY THE STRUCTURE OF THE SHADOW BANKING</a> <a title="FSFocus page 12" href="http://viewer.zmags.com/publication/ccf3ab7c?page=12"> FS FOCUS Making the numbers add up Sadly, </a> <a title="FSFocus page 13" href="http://viewer.zmags.com/publication/ccf3ab7c?page=13"> REGULATION </a> <a title="FSFocus page 14" href="http://viewer.zmags.com/publication/ccf3ab7c?page=14"> FS FOCUS ANDREW BAKER/IKON IMAGES Seeing the wo</a> <a title="FSFocus page 15" href="http://viewer.zmags.com/publication/ccf3ab7c?page=15"> REGULATION The Mortgage Code was ina</a> <a title="FSFocus page 16" href="http://viewer.zmags.com/publication/ccf3ab7c?page=16"> FS FOCUS Swiss congeniality The str</a> <a title="FSFocus page 17" href="http://viewer.zmags.com/publication/ccf3ab7c?page=17"> ASSET MANAGEMENT </a> <a title="FSFocus page 18" href="http://viewer.zmags.com/publication/ccf3ab7c?page=18"> FS FOCUS Be prepared Anyone expecting a</a> <a title="FSFocus page 19" href="http://viewer.zmags.com/publication/ccf3ab7c?page=19"> RDR SEMINAR Main picture (from left): David M</a> <a title="FSFocus page 20" href="http://viewer.zmags.com/publication/ccf3ab7c?page=20"> FS FOCUS Navigating the skilled persons repor</a> <a title="FSFocus page 21" href="http://viewer.zmags.com/publication/ccf3ab7c?page=21"> REPORTING C</a> <a title="FSFocus page 22" href="http://viewer.zmags.com/publication/ccf3ab7c?page=22"> FS FOCUS Mind the GAAP When drawing up </a> <a title="FSFocus page 23" href="http://viewer.zmags.com/publication/ccf3ab7c?page=23"> INSURANCE ACCOUNTING CORBIS II Embed the relev</a> <a title="FSFocus page 24" href="http://viewer.zmags.com/publication/ccf3ab7c?page=24"> FS FOCUS CORBIS Building an effective risk mana</a> <a title="FSFocus page 25" href="http://viewer.zmags.com/publication/ccf3ab7c?page=25"> RISK MANAGEMENT Hersh Shefrin i</a> <a title="FSFocus page 26" href="http://viewer.zmags.com/publication/ccf3ab7c?page=26"> FS FOCUS </a> <a title="FSFocus page 27" href="http://viewer.zmags.com/publication/ccf3ab7c?page=27"> DAILY INSIGHT AND FRESH ANALYSIS ONLINE </a> <a title="FSFocus page 28" href="http://viewer.zmags.com/publication/ccf3ab7c?page=28"> WE CAN FUND YOUR CLIENTS' GROWTH PLANS TO THE LET</a>