Good People, Legacy Structures

Why Financial Education Needs Trustworthiness by Design Steve ConleyDecember 13, 2025 A note on intent I’m writing this as a financial educator and concerned citizen.This article is not about blame — individual or institutional.It’s about design: how well-intentioned initiatives can sometimes produce outcomes no one intended, simply because of the structures they operate within. A … Continue reading Good People, Legacy Structures →

Why Loosening Bank Capital Rules Is a Risk — Not a Solution (An AoLP / Get SAFE Perspective)

In recent weeks, Bank of England (BoE) and its regulatory arm Prudential Regulation Authority (PRA) have signalled a push to relax capital requirements for UK banks. The official narrative promises “revived lending capacity” — more mortgages, more credit for small and medium-sized enterprises (SMEs), and renewed economic growth. On the surface, this may sound like … Continue reading Why Loosening Bank Capital Rules Is a Risk — Not a Solution (An AoLP / Get SAFE Perspective) →

We Shall Not Be Silenced: The Citizen Investigators Rising to Reclaim Justice

Fellows of Get SAFE — Citizen Investigators, When a great wrong has been done to ordinary people, it is not only laws that must answer — it is courage, persistence and the steady work of many hands. We have chosen to stand where others have been pushed aside: to gather facts, to hold evidence, to … Continue reading We Shall Not Be Silenced: The Citizen Investigators Rising to Reclaim Justice →

White Paper | From Hidden Credit Lines to Hidden Owners

How UK Banks Manufactured Defaults and Profited Through Unregulated SPVs Executive Summary This white paper reveals a hidden architecture within British banking that converts human distress into financial yield. Beneath the surface of ordinary mortgages and small-business loans lies a complex network of concealed credit lines, manufactured defaults, and unregulated securitisation vehicles. Together, these mechanisms … Continue reading White Paper | From Hidden Credit Lines to Hidden Owners →