31% are in worse financial position than last year

"I hope the market is ready and poised for a year of strength"

To deliver northern ambitions

"Make it easy to do the right thing"

New Year Honours List

Provider service quality, claims timescales and Consumer Duty

"We still need to do more to reduce complexity in our industry"

"Protection advice more than ever has been budget driven"

On life and critical illness cover

"Despite my optimism, I am very mindful of the continuing challenges"