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Yep Mr Shipton. There's an admission of past failures. But you took the money anyway!
The banks got off and the advisers got thrown under the bus because they were an easier target.
Rather than persecute, why not try a different more humane tact? Work with people instead of being bully boy and doing the dirty work of the banks and life offices who are looking to squeeze more profits out of the consumers.
You are killing the golden goose who has been more than prepared to put house, life and reputation on the line to help people. Even people like you!
But you cut them down without a second thought in the line of fire because you want to be proud to be seen doing your job. Picking all the low hanging fruit!
Typical public servant. May as well be a politician! Lies, damned lies and more lies!