The extent of regulation of insurance companies has grown significantly in recent decades. The ‘freedom with publicity’ regime which defined the regulatory approach from 1870 to 1970 appeared to work and ran with the grain of the market. Arguments that are given today for prudential...

Medical and nursing care have been separated from social care by deliberate design since the creation of the NHS. This divide is now entirely artificial. People spend less time in hospital than used to be the case and 4 million people over the age of 65 have a life-limiting illness. In such...

There is a long history of governments restricting competition in broadcasting and changing the definition of public service broadcasting in a way that seems to serve producer interests. The current definition of public service broadcasting used by Ofcom is not coherent. The nature of the...