We are on the right path, but we are not yet consistently at...

We are on the right path, but we are not yet consistently at the levels either expected by customers or required by the regulator. The MRG will continue to play a crucial role in supporting and driving the market to achieve this. I am under no illusion that the task ahead of us remains enormous but I take over the chair of the MRG with a passionate belief in the need for reform.