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At the time of creating, Benedict Guttman-Kenney and you may Stefan Check was employees of one’s Financial Perform Authority. John Gathergood are a scholastic coach to your Economic Carry out Power, and this given the knowledge on the report, on months , during which most work for which papers is completed. The viewpoints within this paper should not be translated because the highlighting the new views of the Financial Perform Power (FCA) or even the Race and you will Places Expert (CMA)-he’s only the duty of experts. All problems otherwise omissions could be the authors’ very own. (more…)