The government's assault on Cash ISA limits isn't just an existential threat to building societies, it's an economic mugging of the generation that can least afford it.

The Strategic Lever Missing From Most Regulatory Approaches. When you work in markets where regulation can reshape entire business models, even the strongest legal strategy is vulnerable to forces operating far outside the drafting room.

When regulation overreaches, it doesn’t just slow progress, it can sink it. Broad legislative strokes often capture companies never meant to be in scope, pulling them into compliance, scrutiny, and public backlash they were never prepared for.