Remember when Compliance was the dreaded "C word" in financial services? A novel concept that sent shivers down advisers' spines? For industry veterans, there was even a time before compliance existed in any meaningful form. Your primary "Consumer Duty" was simply selling as much protection and savings as possible!Many of us believed we were filling crucial gaps left by Thatcher-era state welfare cutbacks. We crafted compelling narratives around disappearing state pensions and vanishing sickness benefits. With hindsight, these proved largely exaggerated – we perhaps underestimated most governments' enthusiasm for spending. At BAT, we're now declaring compliance the OLD C word – a...