Lessons for the Chancellor #4: When Education Fuels Inequality

(Insights from Onur Özdemir, “Distributional Effects of Human Capital in Advanced Economies: Dynamics of Economic Globalization,” Business and Economics Research Journal, 2020) As Chancellor Rachel Reeves prepares to deliver her second Budget, the political and fiscal stakes could not be higher. Britain’s economic story mirrors that of other advanced nations: record inequality, wage stagnation, and … Continue reading Lessons for the Chancellor #4: When Education Fuels Inequality →

Lessons for the Chancellor #2: Building Britain’s Future on Human Capital, Not Fiscal Firefighting

(Insights from Latif Zeynalli, “The Impact of Stimulating the Development of Human Capital on Economic Development,” European Journal of Social Impact and Circular Economy, 2020) As Chancellor Rachel Reeves prepares to deliver her second Budget next week, she faces the same pressures gripping every advanced economy: slowing growth, ageing populations, ballooning welfare bills, and unsustainable … Continue reading Lessons for the Chancellor #2: Building Britain’s Future on Human Capital, Not Fiscal Firefighting →

Lessons for the Chancellor: Human Capital as the Foundation for Sustainable Prosperity

(Drawing on Siriwan Saksiriruthai, “Human Capital as a Determinant of Long-Term Economic Growth,” 2018) 1. Shift the Budget from Consumption to Capability The study demonstrates that countries which sustain long-term growth invest systematically in human capital — not short-term stimulus or consumption. Fiscal strategies centred on transfers and subsidies may relieve pain temporarily but fail … Continue reading Lessons for the Chancellor: Human Capital as the Foundation for Sustainable Prosperity →

Should a publicly accountable body like the FOS publish data on why complaints are refused?

Yes — and the fact that it doesn’t is a systemic problem. The Financial Ombudsman Service is not a private firm.It is a publicly funded, statutory dispute-resolution body created by Parliament to provide access to justice for people who cannot fight banks in court. Because of that, the FOS has three fundamental duties: Duty of … Continue reading Should a publicly accountable body like the FOS publish data on why complaints are refused? →

Crash Bank Wallop — And How to Get SAFE

A movement for truth, healing and justice is rising. This week, something powerful happened. A community came together — victims, whistleblowers, reformers, life planners, and citizen investigators — to honour the legacy of the late Paul Moore, reflect on the human impact of structural misconduct, and commit to a new level of action. The event, … Continue reading Crash Bank Wallop — And How to Get SAFE →

The Hidden Credit Line Fraud: How Dishonest Bankers and Captured Regulators Engineered the Largest SME Asset Strip in Modern UK History

AoLP / Get SAFE Special Investigation For nearly two decades, thousands of UK and Irish business owners believed they had failed. They believed it was their fault their loans collapsed, their businesses went under, their homes were seized, and their families were shattered. They were told they “mismanaged risk”, “failed to plan”, or “didn’t understand … Continue reading The Hidden Credit Line Fraud: How Dishonest Bankers and Captured Regulators Engineered the Largest SME Asset Strip in Modern UK History →

When Professional Bodies Forget the Public: What the ICAEW AGM Tells Us About Structural Capture

Professional bodies were created to uphold standards, protect the public, and act as the ethical compass of their industries. When they function well, they safeguard trust. When they drift, the consequences ripple across the whole financial ecosystem. In July 2025, Professor Atul K. Shah — a respected academic, ICAEW fellow, and long-time advocate for ethics … Continue reading When Professional Bodies Forget the Public: What the ICAEW AGM Tells Us About Structural Capture →

🌍 When Systems Fail, People Rise: How a Community of Truth-Seekers Is Rewriting the Future of Justice and Financial Planning

“You can’t defeat Goliath with your mouth shut.” - Paul Moore Those words, spoken during a Transparency Task Force gathering this week, captured the heart of a powerful realisation:the institutions meant to protect the public are no longer capable of doing so — but the public is learning to protect itself. This event was more … Continue reading 🌍 When Systems Fail, People Rise: How a Community of Truth-Seekers Is Rewriting the Future of Justice and Financial Planning →

AI, Evidence, and the Turning Tide: How Ordinary People Are Finally Winning Against Extraordinary Power

Some stories mark a shift in the landscape — and last night’s session delivered another one. John stood up and shared something remarkable. Just four weeks ago he was overwhelmed. Thirty-five years’ worth of paperwork, emails, and documents sat in boxes, impossible to decipher, impossible to articulate. He knew he was right, but like so … Continue reading AI, Evidence, and the Turning Tide: How Ordinary People Are Finally Winning Against Extraordinary Power →

When the Public “Plays Lawyer”: What the Legal Sector Isn’t Seeing — and Why Independent AI Is Now Essential

By Steve ConleyFounder, Get SAFE – Support After Financial ExploitationAcademy of Life Planning Across the legal profession, there is growing frustration with clients who arrive to meetings armed with AI-generated analysis. Blog posts worry about “AI hallucinations,” “scope creep,” and clients who “second-guess” professional advice. See: When clients play lawyer: the hidden cost of AI-assisted … Continue reading When the Public “Plays Lawyer”: What the Legal Sector Isn’t Seeing — and Why Independent AI Is Now Essential →