Merryn Somerset Webb

When we first started out, John, all those years ago, I was absolutely determined that everybody must do everything for themselves.

Everyone had to get a grip and manage their own money, et cetera, et cetera.

And as the years have gone by, I've realized it's just stupid.

It's never going to happen.

And, you know, most people, they don't want to.

They don't want to.

They've got enough to do.

And also, crucially, not only they don't want to do the admin, admin, admin, admin, they also, they don't want the stress.

Most people do not want to wake up in the middle of the night wondering about what's happened to their money.

And in difficult times, they don't want to be constantly checking their portfolio.

Except, you know what they want?

They want someone else to do that for them.

No, no, I don't want to do that.

Exactly.

We had the retail distribution review in the UK, which changed the landscape completely and in the main for the good.

A few things still to be ironed out from that.

That's been a long time, but in the main, very good.

Right.

John, is there anything else that we need to add to this?

Thank goodness.