Oliver Letwin's comments from 1985 are interesting when placed alongside the Financial Conduct Authority's recent announcement. Back in 1985, Oliver was commenting on the behaviour and attitudes of a community of 'have nots' and today he seems to accept that his comments were inappropriate and misplaced. I wonder what would happen if he tested the attitudes and behaviour of that community of 'haves' whose conduct is unlikely to be examined in any depth by the FCA.