Look back

A man with an umbrella sheltering from a thunderstorm

Times are hard, so if a phone call comes telling you your financial intermediary is ailing or even insolvent then you might be severely disappointed but not surprised. Times started getting hard in the UK when the once fabulously named Dawnay Day Quantum dropped the boring bit and morphed into the sexy Quantum Asset Management.

But names and the obvious association with James Bond (Quantum of Solace, if we are losing you here) was not enough, over Christmas 2008 the company succumbed to

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