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so letamp;#39;s now hear from Jonathan Newell chief executive of barck who has a brilliant development to talk about and then weamp;#39;ll go to our expert panel for what should be a very Lively discussion Jonathan it is really lovely to have you here great to be there thank you now you have said youamp;#39;re about to start rocking the pii boat why would you want to do that absolutely so for so long I think the market has been crying out for some Innovation and someone to do something different um I have been in the industry for 30 years and Iamp;#39;ve seen the financial advice sector really evolve really adapt to the changing Financial environment and adapt new technology during that time pii has stood still almost Relic likee and hasnamp;#39;t kept up with the changes so weamp;#39;re about to change that um on a more personal note I have seen some of the difficulties that poor financial advice can create um and difficulty in retirement um and some and some hardship so I thoug