The FCA has published a new section to Insight, its webpage which brings together research, insight, expertise and opinions that have been written in an individual capacity by members of staff and outside experts. The purpose of Insight is to promote the significant amount of analysis and research undertaken by the FCA to help financial markets work effectively. The content of Insight represents the views of the contributors and should not necessarily be taken to represent the official views of the FCA, nor read as an indication of future policy direction.