How time flies when you're having fun. When not engaged in rethinking personal data, I've been experiencing the deep joy of rethinking financial services regulation, now that the Financial Services Bill has reached the House of Lords.
As I've explained in the other place, this is not about flogging a dead bank. This is about enabling the growth of new facilitators - the same kind of evolution towards cost-efficient and transparent financial services that we have already seen in other retail markets. The same evolution that Andy Haldane of the Bank of England has advocated - or Lord Young, for that matter.
My experience so far leaves me optimistic that the UK's creaking regulatory framework can be successfully overhauled. Unlike the MPs in the House of Commons, the Peers are less interested in the politics and more interested in the detail of what works and what doesn't. For that reason, the passage of the Financial Services Bill through the House of Lords provides a rare and invaluable opportunity to confront the government - and the Treasury - with all those gripes and suggestions that have been ignored for years.
So please take that opportunity - whether it's via comments on media stories, through the blogosphere or any contact you may have with the powers that be.
Next stop: Europe.
Image from The Philosopher's Magazine.