England and Wales’ independent monitor of the water industry has appointed a management consultancy as an independent monitor to crisis-stricken Thames Water. The appointment of L.E.K. Consulting to effectively do Ofwat’s work for it comes at a time when the regulator faces intense scrutiny in its own right – with calls to abolish it at a time of rising costs and rampant pollution.

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I’m an investor in your TD Wealth operation. I first learned of the bank’s horrible money laundering practices and huge fines in the New York Times, not from the bank. I still don’t have any formal communication from the bank explaining how it happened, who’s being fired, and what you’re going to do to ensure future compliance. The article included employees laughing publicly about the money laundering.

Yesterday, your computers were so screwed up by some new software attempt that investors couldn’t access their investment accounts. There was no notice posted on your site, and no communications to us. I had to call my contacts there. This lasted all day.

You’re taking over soon? Well, I’ve lost confidence in the judgment of your executives. And I want answers to these issues. A lot of investment houses would love to take care of my money where I wouldn’t have to worry about the judgement and honesty of senior people.

Got it? I’m looking forward to hearing from you.

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In a densely populated inner city, we would trick or treat in apartment buildings and multi-family houses for hours, collecting candy and, most importantly, money. We went in small groups, crossed streets, dealt with people who told us to get lost, and thanked people who were kind. We never trashed anyone’s property, we just move on. Our parents didn’t feel the need to inspect our loot.

Now, in upscale suburban neighborhoods with private homes, I see parents escorting the kids with flashlights and in large groups.

Is this progress?

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