We have just been through a period where financial market plumbing has, again, been tested to its limits and where QE has arguably one of the greatest drivers of markets. However, it is also a period where the needs of savers have never been greater. We have, perhaps, also never seen such external scrutiny of what we, as an asset management industry, do and how we behave as shareholders and debtholders. An opportune time then for Richard Dunbar to discuss the principles of investment governance and oversight with Archie Struthers, Global Head of Investment Governance & Oversight, Fiona Melville, Global Head of Investment Oversight and Paul Hughes, Global Head of Investment Risk.