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      <title>Financial Planning for 'Middle England'</title>
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      <pubDate>Thu, 27 May 2010 23:00:00 GMT</pubDate>
      <description>Reflections on financial-planning for 'normal people' By Kevin Moss</description>
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      <title>Talking about tax</title>
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      <pubDate>Thu, 22 Apr 2010 23:00:00 GMT</pubDate>
      <description>A quick reminder of tools of the trade By Kevin Moss</description>
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      <title>Engaging with the RDR</title>
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      <pubDate>Tue, 06 Apr 2010 23:00:00 GMT</pubDate>
      <description>Highlighting some of the issues By Kevin Moss</description>
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      <title>The fossilisation of value</title>
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      <pubDate>Thu, 25 Mar 2010 00:00:00 GMT</pubDate>
      <description>Focus on TCF By Kevin Moss</description>
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      <title>The RRR is much more important</title>
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      <pubDate>Fri, 05 Mar 2010 00:00:00 GMT</pubDate>
      <description>There are always lessons to be learned By Kevin Moss</description>
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      <title>You couldn't make it up</title>
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      <pubDate>Tue, 23 Feb 2010 00:00:00 GMT</pubDate>
      <description>What might have been...if only we had the right business proposition By Kevin Moss</description>
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      <title>Why are we in business?</title>
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      <pubDate>Mon, 08 Feb 2010 00:00:00 GMT</pubDate>
      <description>Thoughts inspired by Peter Drucker By Kevin Moss</description>
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      <title>A question of priorities</title>
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      <pubDate>Tue, 19 Jan 2010 00:00:00 GMT</pubDate>
      <description>Faintly jaundiced thoughts on rock music and financial planning By Kevin Moss</description>
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      <title>UK plc's uneasy relationship with debt</title>
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      <pubDate>Fri, 08 Jan 2010 00:00:00 GMT</pubDate>
      <description>Thoughts on our clients' relationship with money By Kevin Moss</description>
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      <title>The art of reinvention</title>
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      <pubDate>Tue, 22 Dec 2009 00:00:00 GMT</pubDate>
      <description>Last KevBlog of 2009! By Kevin Moss</description>
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      <title>Life, Intelligent Life and...Insurance Companies</title>
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      <pubDate>Thu, 10 Dec 2009 00:00:00 GMT</pubDate>
      <description>Keb's latest rant about insurer culture By Kevin Moss</description>
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      <title>What price independence?</title>
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      <pubDate>Tue, 01 Dec 2009 00:00:00 GMT</pubDate>
      <description>Reflections on who owns UK IFAs By Kevin Moss</description>
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      <title>The smokescreen of complaint management</title>
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      <pubDate>Tue, 17 Nov 2009 00:00:00 GMT</pubDate>
      <description>The misuse of the CHP By Kevin Moss</description>
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      <title>A contract you don't want</title>
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      <pubDate>Tue, 03 Nov 2009 00:00:00 GMT</pubDate>
      <description>Thoughts on the value of National Insurance By Kevin Moss</description>
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      <title>The clients you don't want</title>
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      <pubDate>Fri, 23 Oct 2009 00:00:00 GMT</pubDate>
      <description>Advice for the discriminating IFA By Kevin Moss</description>
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      <title>Upfront about reviews?</title>
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      <pubDate>Fri, 18 Sep 2009 00:00:00 GMT</pubDate>
      <description>The absolute importance of a documented review process By Kevin Moss</description>
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      <title>The inequities of long-term care - in microcosm</title>
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      <pubDate>Fri, 11 Sep 2009 00:00:00 GMT</pubDate>
      <description>Reflections on 'the system' By Kevin Moss</description>
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      <title>IFAs and the latest buzzword</title>
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      <pubDate>Thu, 13 Aug 2009 00:00:00 GMT</pubDate>
      <description>Reflections on the dilemma facing IFAs By Kevin Moss</description>
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      <title>Who ya gonna call?</title>
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      <pubDate>Fri, 31 Jul 2009 00:00:00 GMT</pubDate>
      <description>Reflections on May 2009 tax data By Kevin Moss</description>
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      <title>The UK Complaint Culture</title>
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      <pubDate>Fri, 03 Jul 2009 00:00:00 GMT</pubDate>
      <description>Latest thoughts on managing complaints By Kevin Moss</description>
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      <title>Another Sorry Saga</title>
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      <pubDate>Thu, 11 Jun 2009 00:00:00 GMT</pubDate>
      <description>Reflections on KeyData By Kevin Moss</description>
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      <title>Fiddling...</title>
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      <pubDate>Thu, 21 May 2009 00:00:00 GMT</pubDate>
      <description>Finally out of patience with the Continuous Rebranding Process By Kevin Moss</description>
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      <title>Worth getting angry about?</title>
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      <pubDate>Mon, 11 May 2009 00:00:00 GMT</pubDate>
      <description>Blatantly bad advice masquerading as 'independent financial advice'. By Kevin Moss</description>
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      <title>Are we missing a trick?</title>
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      <pubDate>Thu, 30 Apr 2009 00:00:00 GMT</pubDate>
      <description>A focus on the retiring market By Kevin Moss</description>
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      <title>Negative inflation - doesn't apply to us!</title>
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      <pubDate>Fri, 24 Apr 2009 00:00:00 GMT</pubDate>
      <description>Thoughts about FSA fees By Kevin Moss</description>
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      <title>When governments default</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/148624/ValidPath/New_Developments/KevBlog/When_governments_default.aspx</link>
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      <pubDate>Wed, 15 Apr 2009 00:00:00 GMT</pubDate>
      <description>Risks facing investors By Kevin Moss</description>
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      <title>The limited benefits of regulation</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/146227/ValidPath/New_Developments/KevBlog/The_limited_benefits.aspx</link>
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      <pubDate>Thu, 02 Apr 2009 00:00:00 GMT</pubDate>
      <description>Reflections on bureaucracy and its limitations By Kevin Moss</description>
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      <title>What happens if we don't market ourselves?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/145074/ValidPath/New_Developments/KevBlog/What_happens_if.aspx</link>
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      <pubDate>Wed, 11 Mar 2009 00:00:00 GMT</pubDate>
      <description>Focus on marketing By Kevin Moss</description>
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      <title>Lessons from Pension-Switching</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/143900/ValidPath/New_Developments/KevBlog/Lessons_from_Pension.aspx</link>
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      <pubDate>Fri, 06 Mar 2009 00:00:00 GMT</pubDate>
      <description>Update on principles-based advice By Kevin Moss</description>
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      <title>Is small the new big?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/142264/ValidPath/New_Developments/KevBlog/Is_small_the.aspx</link>
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      <pubDate>Mon, 23 Feb 2009 00:00:00 GMT</pubDate>
      <description>2020 Financial Services...small but beautiful? By Kevin Moss</description>
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      <title>The Banks and our clients</title>
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      <pubDate>Tue, 17 Feb 2009 00:00:00 GMT</pubDate>
      <description>Lessons to use in our business practice By Kevin Moss</description>
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      <title>What if?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/140412/ValidPath/New_Developments/KevBlog/What_if.aspx</link>
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      <pubDate>Fri, 06 Feb 2009 00:00:00 GMT</pubDate>
      <description>KevBlog entry for 06/02/09 By Kevin Moss</description>
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      <title>The death of indemnity commission</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/139293/ValidPath/New_Developments/KevBlog/The_death_of.aspx</link>
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      <pubDate>Wed, 28 Jan 2009 00:00:00 GMT</pubDate>
      <description>The impact of the banking crisis on commission-based remuneration By Kevin Moss</description>
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    <item>
      <title>From the sublime to the ridiculous</title>
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      <pubDate>Fri, 23 Jan 2009 00:00:00 GMT</pubDate>
      <description>First KevBlog entry for a month! By Kevin Moss</description>
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      <title>Shooting ourselves in the foot</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/135091/ValidPath/New_Developments/KevBlog/Shooting_ourselves_in.aspx</link>
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      <pubDate>Fri, 19 Dec 2008 00:00:00 GMT</pubDate>
      <description>Reflections on the RDR Interim Paper By Kevin Moss</description>
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      <title>Careful Complaint Management</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/133488/ValidPath/New_Developments/KevBlog/Careful_Complaint_Management.aspx</link>
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      <pubDate>Mon, 01 Dec 2008 00:00:00 GMT</pubDate>
      <description>Thoughts on handling complaints in the current environment By Kevin Moss</description>
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      <title>Friday afternoon irritations</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/131102/ValidPath/New_Developments/KevBlog/Friday_afternoon_irritations.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/131102/ValidPath/New_Developments/KevBlog/Friday_afternoon_irritations.aspx</guid>
      <pubDate>Fri, 07 Nov 2008 00:00:00 GMT</pubDate>
      <description>Latest KevBlog entry By Kevin Moss</description>
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    <item>
      <title>Ruminating about Risk</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/130521/ValidPath/New_Developments/KevBlog/Ruminating_about_Risk.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/130521/ValidPath/New_Developments/KevBlog/Ruminating_about_Risk.aspx</guid>
      <pubDate>Fri, 31 Oct 2008 00:00:00 GMT</pubDate>
      <description>Latest KevBlog entry on dealing with investment risk By Kevin Moss</description>
    </item>
    <item>
      <title>Wales Fast Growth 50</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/130067/ValidPath/New_Developments/KevBlog/Wales_Fast_Growth.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/130067/ValidPath/New_Developments/KevBlog/Wales_Fast_Growth.aspx</guid>
      <pubDate>Mon, 27 Oct 2008 00:00:00 GMT</pubDate>
      <description>Reflections on WFG50 qualification By Kevin Moss</description>
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    <item>
      <title>Fiat Money Magic!</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/128650/ValidPath/New_Developments/KevBlog/Fiat_Money_Magic.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/128650/ValidPath/New_Developments/KevBlog/Fiat_Money_Magic.aspx</guid>
      <pubDate>Fri, 17 Oct 2008 00:00:00 GMT</pubDate>
      <description>Ruminating on Gordon Brown's solutions By Kevin Moss</description>
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    <item>
      <title>New regulatory horizons beckon...</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/126823/ValidPath/New_Developments/KevBlog/New_regulatory_horizons.aspx</link>
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      <pubDate>Thu, 25 Sep 2008 00:00:00 GMT</pubDate>
      <description>Further thoughts on the current crisis By Kevin Moss</description>
    </item>
    <item>
      <title>Mourning old friends</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/126233/ValidPath/New_Developments/KevBlog/Mourning_old_friends.aspx</link>
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      <pubDate>Fri, 19 Sep 2008 00:00:00 GMT</pubDate>
      <description>Remembering defunct product-providers By Kevin Moss</description>
    </item>
    <item>
      <title>Lame man banking</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/125726/ValidPath/New_Developments/KevBlog/Lame_man_banking.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/125726/ValidPath/New_Developments/KevBlog/Lame_man_banking.aspx</guid>
      <pubDate>Mon, 15 Sep 2008 00:00:00 GMT</pubDate>
      <description>Reflections on Lehman Brothers By Kevin Moss</description>
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    <item>
      <title>'Wall Street indices predicted nine out of the last five rec</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/123818/ValidPath/New_Developments/KevBlog/Wall_Street_indices.aspx</link>
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      <pubDate>Fri, 22 Aug 2008 00:00:00 GMT</pubDate>
      <description>Latest KevBlog entry By Kevin Moss</description>
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      <title>Somebody...please regulate this sector!</title>
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      <pubDate>Tue, 12 Aug 2008 00:00:00 GMT</pubDate>
      <description>Kev vents his spleen on recruitment agencies By Kevin Moss</description>
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      <title>Think and grow rich</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/121768/ValidPath/New_Developments/KevBlog/Think_and_grow.aspx</link>
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      <pubDate>Fri, 01 Aug 2008 00:00:00 GMT</pubDate>
      <description>Reflections on a bad week in economics By Kevin Moss</description>
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      <title>If it's not about integrity, then...</title>
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      <pubDate>Mon, 21 Jul 2008 00:00:00 GMT</pubDate>
      <description>Reflections about last week's commission run By Kevin Moss</description>
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      <title>Bearish works for me</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/120124/ValidPath/New_Developments/KevBlog/Bearish_works_for.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/120124/ValidPath/New_Developments/KevBlog/Bearish_works_for.aspx</guid>
      <pubDate>Fri, 11 Jul 2008 00:00:00 GMT</pubDate>
      <description>Thoughts on challenging markets By Kevin Moss</description>
    </item>
    <item>
      <title>Having the right impact</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/119291/ValidPath/New_Developments/KevBlog/Having_the_right.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/119291/ValidPath/New_Developments/KevBlog/Having_the_right.aspx</guid>
      <pubDate>Tue, 01 Jul 2008 00:00:00 GMT</pubDate>
      <description>Latest KevBlog entry By Kevin Moss</description>
    </item>
    <item>
      <title>Enforcement is the new Big Thing</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/118274/ValidPath/New_Developments/KevBlog/Enforcement_is_the.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/118274/ValidPath/New_Developments/KevBlog/Enforcement_is_the.aspx</guid>
      <pubDate>Fri, 20 Jun 2008 00:00:00 GMT</pubDate>
      <description>Reflections on the FSA's Enforcement Conference on June 18th 2008 By Kevin Moss</description>
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    <item>
      <title>Well thank goodness that's over...</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/117673/ValidPath/New_Developments/KevBlog/Well_thank_goodness.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/117673/ValidPath/New_Developments/KevBlog/Well_thank_goodness.aspx</guid>
      <pubDate>Fri, 13 Jun 2008 00:00:00 GMT</pubDate>
      <description>Reflections on the Apprentice By Kevin Moss</description>
    </item>
    <item>
      <title>A demon of our own design?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/116224/ValidPath/New_Developments/KevBlog/A_demon_of.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/116224/ValidPath/New_Developments/KevBlog/A_demon_of.aspx</guid>
      <pubDate>Tue, 03 Jun 2008 00:00:00 GMT</pubDate>
      <description>IFAs have a valuable role in protecting their clients against unnecessary risk By Kevin Moss</description>
    </item>
    <item>
      <title>A new national religion?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/115477/ValidPath/New_Developments/KevBlog/A_new_national.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/115477/ValidPath/New_Developments/KevBlog/A_new_national.aspx</guid>
      <pubDate>Fri, 23 May 2008 00:00:00 GMT</pubDate>
      <description>Latest KevBlog entry, responding to the FandC ethical investment survey By Kevin Moss</description>
    </item>
    <item>
      <title>In a typical week...</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/114858/ValidPath/New_Developments/KevBlog/In_a_typical.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/114858/ValidPath/New_Developments/KevBlog/In_a_typical.aspx</guid>
      <pubDate>Fri, 16 May 2008 00:00:00 GMT</pubDate>
      <description>Busy and fun, all in one! By Kevin Moss</description>
    </item>
    <item>
      <title>The shrill cries of anguish</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/113475/ValidPath/New_Developments/KevBlog/The_shrill_cries.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/113475/ValidPath/New_Developments/KevBlog/The_shrill_cries.aspx</guid>
      <pubDate>Wed, 07 May 2008 00:00:00 GMT</pubDate>
      <description>KevBlog entry on the latest inequities in the mortgage market By Kevin Moss</description>
    </item>
    <item>
      <title>It's simpler, but will it be better?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/113002/ValidPath/New_Developments/KevBlog/Its_simpler_but.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/113002/ValidPath/New_Developments/KevBlog/Its_simpler_but.aspx</guid>
      <pubDate>Thu, 01 May 2008 00:00:00 GMT</pubDate>
      <description>Son of RDR has arrived!  Yippee!! By Kevin Moss</description>
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    <item>
      <title>Health warnings: reading the financial press</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/112518/ValidPath/New_Developments/KevBlog/Health_warnings_reading.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/112518/ValidPath/New_Developments/KevBlog/Health_warnings_reading.aspx</guid>
      <pubDate>Fri, 25 Apr 2008 00:00:00 GMT</pubDate>
      <description>Ignore those doom and gloom headlines By Kevin Moss</description>
    </item>
    <item>
      <title>Unsustainable?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/111895/ValidPath/New_Developments/KevBlog/Unsustainable.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/111895/ValidPath/New_Developments/KevBlog/Unsustainable.aspx</guid>
      <pubDate>Fri, 18 Apr 2008 00:00:00 GMT</pubDate>
      <description>Observations on problems in the group pensions market By Kevin Moss</description>
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    <item>
      <title>It's a crazy world</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/111130/ValidPath/New_Developments/KevBlog/Its_a_crazy.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/111130/ValidPath/New_Developments/KevBlog/Its_a_crazy.aspx</guid>
      <pubDate>Wed, 09 Apr 2008 00:00:00 GMT</pubDate>
      <description>Latest item in KevBlog By Kevin Moss</description>
    </item>
    <item>
      <title>What's it worth?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/110401/ValidPath/New_Developments/KevBlog/Whats_it_worth.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/110401/ValidPath/New_Developments/KevBlog/Whats_it_worth.aspx</guid>
      <pubDate>Tue, 01 Apr 2008 00:00:00 GMT</pubDate>
      <description>A thought on suitability reports By Kevin Moss</description>
    </item>
    <item>
      <title>CGT Changes and Simplistic Arguments</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/109148/ValidPath/New_Developments/KevBlog/CGT_Changes_and.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/109148/ValidPath/New_Developments/KevBlog/CGT_Changes_and.aspx</guid>
      <pubDate>Mon, 17 Mar 2008 00:00:00 GMT</pubDate>
      <description>Reaction to ifaonline article By Kevin Moss</description>
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    <item>
      <title>Waste...and more waste</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/108360/ValidPath/New_Developments/KevBlog/Waste_and_more.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/108360/ValidPath/New_Developments/KevBlog/Waste_and_more.aspx</guid>
      <pubDate>Fri, 07 Mar 2008 00:00:00 GMT</pubDate>
      <description>Latest Blog entry...a bit of a rant really. By Kevin Moss</description>
    </item>
    <item>
      <title>Bank of England: Armageddon Scenarios?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/107624/ValidPath/New_Developments/KevBlog/Bank_of_England.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/107624/ValidPath/New_Developments/KevBlog/Bank_of_England.aspx</guid>
      <pubDate>Thu, 28 Feb 2008 00:00:00 GMT</pubDate>
      <description>Comment prompted by BOE speech on 26/02/08 By Kevin Moss</description>
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    <item>
      <title>With-Profits...again</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/106959/ValidPath/New_Developments/KevBlog/With_Profits_again.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/106959/ValidPath/New_Developments/KevBlog/With_Profits_again.aspx</guid>
      <pubDate>Thu, 21 Feb 2008 00:00:00 GMT</pubDate>
      <description>Comment on the current spate of bonus announcements By Kevin Moss</description>
    </item>
    <item>
      <title>Financial Risk Outlook 2008</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/106402/ValidPath/New_Developments/KevBlog/Financial_Risk_Outlook.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/106402/ValidPath/New_Developments/KevBlog/Financial_Risk_Outlook.aspx</guid>
      <pubDate>Thu, 14 Feb 2008 00:00:00 GMT</pubDate>
      <description>The important bits from the FSA report...in pictures! By Kevin Moss</description>
    </item>
    <item>
      <title>CAR (Customer Agreed Remuneration)</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/105064/ValidPath/New_Developments/KevBlog/CAR_Customer_Agreed.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/105064/ValidPath/New_Developments/KevBlog/CAR_Customer_Agreed.aspx</guid>
      <pubDate>Fri, 01 Feb 2008 00:00:00 GMT</pubDate>
      <description>Reflections into adviser responses to CAR By Kevin Moss</description>
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    <item>
      <title>Service is optional</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/104504/ValidPath/New_Developments/KevBlog/Service_is_optional.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/104504/ValidPath/New_Developments/KevBlog/Service_is_optional.aspx</guid>
      <pubDate>Fri, 25 Jan 2008 00:00:00 GMT</pubDate>
      <description>Dishing the dirt on reprehensible levels of service By Kevin Moss</description>
    </item>
    <item>
      <title>Customers not consumers</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/103619/ValidPath/New_Developments/KevBlog/Customers_not_consumers.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/103619/ValidPath/New_Developments/KevBlog/Customers_not_consumers.aspx</guid>
      <pubDate>Thu, 17 Jan 2008 00:00:00 GMT</pubDate>
      <description>Remember what we have as IFAs! By Kevin Moss</description>
    </item>
    <item>
      <title>Business tough in 2008?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/103060/ValidPath/New_Developments/KevBlog/Business_tough_in.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/103060/ValidPath/New_Developments/KevBlog/Business_tough_in.aspx</guid>
      <pubDate>Thu, 10 Jan 2008 00:00:00 GMT</pubDate>
      <description>Thoughts about the year ahead By Kevin Moss</description>
    </item>
    <item>
      <title>Getting Tough on TCF</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/102772/ValidPath/New_Developments/KevBlog/Getting_Tough_on.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/102772/ValidPath/New_Developments/KevBlog/Getting_Tough_on.aspx</guid>
      <pubDate>Mon, 07 Jan 2008 00:00:00 GMT</pubDate>
      <description>Update, highlighting recent FSA review By Kevin Moss</description>
    </item>
    <item>
      <title>What is 'Primary Advice'?</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/102647/ValidPath/New_Developments/KevBlog/What_is_Primary.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/102647/ValidPath/New_Developments/KevBlog/What_is_Primary.aspx</guid>
      <pubDate>Fri, 04 Jan 2008 00:00:00 GMT</pubDate>
      <description>Focusing on one issue within the RDR By Kevin Moss</description>
    </item>
    <item>
      <title>RDR - Feedback Submission</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/102439/ValidPath/New_Developments/KevBlog/RDR_Feedback_Submission.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/102439/ValidPath/New_Developments/KevBlog/RDR_Feedback_Submission.aspx</guid>
      <pubDate>Thu, 03 Jan 2008 00:00:00 GMT</pubDate>
      <description>Reflections on DP07/1 By Kevin Moss</description>
    </item>
    <item>
      <title>Welcome to KevBlog!</title>
      <link>http://www.2020FinancialServices.co.uk/Articles/102511/ValidPath/New_Developments/KevBlog/Welcome_to_KevBlog.aspx</link>
      <guid>http://www.2020FinancialServices.co.uk/Articles/102511/ValidPath/New_Developments/KevBlog/Welcome_to_KevBlog.aspx</guid>
      <pubDate>Wed, 02 Jan 2008 00:00:00 GMT</pubDate>
      <description>Introduction By Kevin Moss</description>
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