In a complete departure from our normal podcast we bring you part one of an unscripted conversation between Ray and Graham, looking back at some of the major news stories of the year (noting to do with financial crime).

In this first part we cover January to March.

Please be aware, we are unashamedly open about our own beliefs which not everyone will agree with and that's OK. What we didn't want to bring you was some anodyne claptrap designed not offend no-one but which also says nothing of interest.

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