Archive for February, 2024

A month of Mischief, February 2024

Posted on: February 29th, 2024 by Morgan Arnold

The Passion Perspective

We did it, we can finally say goodbye to winter (March is Spring, right?). Either way, that’s a wrap for February and although it may seem like it has just rained all day every day, a lot of exciting things have happened. Christopher Nolan’s Oppenheimer won best film at the BAFTAs, Beyonce became the first black woman to top the US charts with a country song and the Kansas City Chiefs beat the San Francisco 49ers at Super Bowl LVIII.

Of course, in our industry the Super Bowl is much more than one of the biggest events on the sporting calendar. Due to its ludicrously large audience – made somewhat larger thanks to a certain Taylor Swift and Chiefs’ tight end Travis Kelce’s fledgling all-american relationship – it’s also a big calendar moment for brand activation. Whether an official sponsor or not, it’s a great opportunity to flex creativity, reveal the latest campaign to a mass, engaged audience and take a bigger share of voice. So, we asked three Mischief Makers their view on which brands won at Super Bowl LVIII…

Josie Akuffo, Senior Director

Whilst I normally recoil at meta, industry navel gazing stunts relating to non-standard use of advertising space, I do have respect for brands that try to hack the hype around big events like the Super Bowl. Which is why I was amused by Liquid Death trying to go up against the Super Bowl’s notoriously expensive media placements to make the case that securing advertising space on its packaging would actually be a more efficient investment. The brand launched an auction for other brands to advertise on its packaging in the run up to Super Bowl, positioning it as highly valuable billboard space given the 200 million people who shop at the retailers who stock it each week.  With a buy it now price of $1.5million dollars, not sure how many offers they’ve actually received, but it doesn’t really matter – they did the job of cleverly cutting through.

Kitt Smith, Senior Account Director

Michael Cera and CeraVe. A brilliant example of a brand doing something completely out of its wheelhouse, shedding its normal TOV and going for it; and landing it brilliantly.

Aside from the millions of views and articles it generated, the ad was so good that most of Michael Cera’s interview on The Tonight Show was dedicated to it. If that doesn’t scream “winning” in your loudest Charlie Sheen voice I don’t know what does.

Lewis Durkin, Creative

How do you build some momentum ahead of the Super Bowl to ensure your slot pops? You lean into the Taylor Swift x Travis Kelce hype, of course.

The beauty of Pringles’ campaign is that they didn’t need to engage with either of them. By just using the iconic mustache of Mr P, and the iconic mustache of a to-be-identified-but-looks-like-Travis-Kelce individual, they got tongues wagging on Instagram about who’d be revealed in the slot. It turned out to be the ‘tash of Chris Pratt. It might have disappointed Swifties and Chiefs fans alike, but it didn’t disappoint in driving fame for Pringles.

This Month at Mischief

Dating, Debt & Dominating Podcast Charts with Experian’s ‘The Cost Of Loving’

With February being the month of love, what better time to launch Experian’s Cost of Loving podcast – a five-part series hosted by Celebs Go Dating’s Anna Williamson exploring the intersection between dating and finances, after we revealed that the average debt accrued by 18-35 year olds from funding dating and relationships was a whopping £2250.

A direct response to some of the toxic relationship tropes doing the rounds on social media, the series tackles a number of difficult conversations where dating meets money, from Gender Expectations to Financial Abuse Red Flags and Financial Infidelity.

We’ve secured over 60 pieces of coverage to date, including the likes of Mail Online, Daily Mirror, The Big Issue and Lorraine, with further consumer lifestyle interviews coverage set to go live in the coming weeks. As well as editorial success, the podcast has generated heaps of engagement on Experian, Anna and podcast guest socials, and has even made its way into Apple Podcasts Top 10 chart for Relationship podcasts!

With two more episodes due to launch, you can check out the series so far here.

Ocado’s Raunchy Reactive Hits the Spot

Ahead of Valentine’s, we dove into Ocado data looking at sex toy sales in the run-up to the big day, with results showing that shoppers were becoming ballsier than ever when it came to self-pleasure.

The data revealed that sales of dildos, massage oil and vibrators had all risen significantly in the weeks running up to Valentine’s Day, and almost three quarters of baskets that contained a sex toy also contained a ready meal as shoppers set themselves up for the ultimate day of self-indulgence!

Helping to lift the sex toy taboo and empower singles and couples everywhere, the reactive alert generated a flurry of top tier coverage during a key calendar moment, including in Mail Online, Daily Mirror and The Times.

Read more here.

Petplan And Tom Read Wilson get to grips with Pet-ymology

What’s the one word dogs dread the most? V-E-T. Our research found that two thirds of dog owners struggle to get their pup to the vets due to stress and anxiety, and one third had even resorted to using code words to disguise a veterinary visit.

With ‘The dogter’ and ‘a visit to Dr Barker’s’ some of the most commonly used alternatives, we worked with celebrity lexicologist Tom Read Wilson to pen a ‘doggy dictionary’, full of the weird and wonderful phrases used by owners to communicate with their pets.

As Petplan’s brand new TV advert launched, centring around a visit to the vets, we rounded our story off with advice from Petplan’s very own expert vet Brian Faulkner to guide owners in keeping their pets calm when The Dogter calls, resulting in coverage across a range of national, consumer, trade and broadcast titles, and even generating over 500,000 YouTube views on the new ad.

You can watch the new Petplan advert here.

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Navigating consumer health trends: Insights from leading health journalists

Posted on: February 22nd, 2024 by Morgan Arnold

The healthcare landscape is continually changing, driven by the unprecedented access to information at our fingertips. The increase in public health knowledge has sparked heightened interest in public health interventions, evident in the widespread support for recent initiatives such as smoking and vaping bans and action on obesity. This momentum may further drive discussions on issues such as the need for guidance on ultra-processed foods. 

The expansion of digital health tools, including wearable devices, coupled with the abundance of information on platforms like social media, has empowered individuals to take a more proactive role in managing their wellbeing. However, as information consumption continues to shift, with platforms like TikTok becoming increasingly influential, journalists face the challenge of navigating rapidly evolving trends and fads, such as vitamin-based hangover cures, to maintain readership. 

Amidst this saturation of information, it’s important to examine the benefits and drawbacks it brings. How can communicators, both in the media and within brands, adapt to the self-care revolution, where the public has unlimited access to enhanced health information? 

To explore these questions, we were joined by experts including Eleanor Hayward, Health Editor at The Times; Jennifer Savin, Features Editor at Cosmopolitan; and Shaun Lintern, Health Editor at The Sunday Times. Their insights offer valuable guidance for brands seeking to navigate and capitalise on the opportunities presented by this evolving landscape. 

Benefits to enhanced health information:

1. Increased health awareness and literacy amongst the public 

The public is becoming increasingly informed, proactive, and scientifically literate. This shift, partly fuelled by the COVID-19 pandemic and the constant flow of information across various media channels, presents a valuable opportunity for brands to tailor their services to meet the needs of the increasingly health-conscious consumer.  

2. People are taking ownership and responsibility for their health and flagging symptoms early  

With NHS wait times at record highs, many are turning to private healthcare and self-testing from pharmacies, particularly for illnesses such as tonsilitis, UTIs, and COVID-19. Brands can play a crucial role in providing accessible information resources to meet the growing demand. 

 Drawbacks to enhanced health information

1. Health anxiety is on the rise  

As awareness continues to grow, so does the prevalence of health-related anxiety amongst the public. This stems from the wealth of information accessible to us, often through apps and self-tests. 

2. Growing system pressures and information gap due to private testing  

The rise of self-testing creates a potential gap in professional follow-up, adding to the strain on already burdened healthcare systems. Can brands support this emerging issue by responsibly filling the information gap and fostering trust? 

So, what is the role of communicators in navigating these effects and how do they adapt their storytelling? 

Personal and audience-centric messaging is essential to drive engagement 

  • First-hand patient-led stories resonate the most with consumer audiences, as people seek personal connections and real-world impacts of health interventions – our panel mentioned that these are essential for any story to be covered. 
  • Complex scientific details should be presented in a clear, concise, and easily digestible manner, with supplementary information available for those who delve deeper. This ensures accessibility and understanding for a wider audience. 

Balanced and nuanced storytelling is key to build trust 

  • The panel emphasised the necessity to conduct thorough due diligence, share peer-reviewed studies, and offer independent expert opinions, to ensure credible and transparent reporting.  
  • Brands can support journalists with this by providing accurate and robust data, and readily addressing any product concerns to build trust with both media and consumers. 

The need to address inequalities in studies and messaging 

  • Journalists aim to ensure that their reporting considers disparities across age, socioeconomic status, and ethnicity to provide a comprehensive understanding of health issues. Where possible, brands should also offer this breakdown of information to ensure their storytelling is balanced and inclusive.  

For more information contact [email protected] 

Political Insider: By-election bonanza for Labour

Posted on: February 16th, 2024 by Morgan Arnold

Will Labour be partying like it is 1997?

The results are pretty stark reading. Labour managed to overturn a Conservative majority in the Northamptonshire seat of Wellingborough of 18,500; the swing of 28.6 per cent was the biggest shift of support to Labour recorded since the Second World War.

On the other side of the country in Kingswood – where the by-election was forced by the Government’s former net zero guru Chris Skidmore resigning in a fit of pique over Sunak’s environmental stance – a majority of 11,200 was pulped by Labour.

What will be worrying the Prime Minister is the ascent of the Reform Party. In both by-elections, it secured more than 10 per cent of the vote, the first time it had reached that milestone. Expect yet more calls from the Tory backbenches for a right-ward turn.

Labour have now taken six seats off the Conservatives since July. Over the course of this Parliament the Conservatives have lost 10 by-elections, the worst record of any government in 50 years and worse even than the sleaze stained death rattles of the Major administration in the 1990s.

Things can only get better for Sunak, but Keir Starmer will know that while today is undoubtedly encouraging, some danger lurks on the horizon. The next by-election in Rochdale will not be as easy a ride, a result of the party’s now disowned candidate’s conspiracy theorising on Israel and Palestine.

Labour viewpoint

By Joshua Kaile, Former Labour Political Advisor

They say a week is a long time in politics. Today that feels like an understatement.

This time last week, the Labour Party had just ended its high-profile commitment to spend £28 billion a year on green policies. The Conservatives, Labour left, and environmental groups criticised the move, albeit for varying reasons.

Then, on Monday Labour withdrew support for its candidate in the Rochdale by-election following controversial comments he made about the 7 October attacks on Israel. To make the situation even worse, the decision meant Labour had no time to find a replacement.

All this has led to over-the-top remarks from many commentators about Keir Starmer’s leadership and claims that we are about to see Labour lose their previously insurmountable leads in the polls.

So, this morning as we all look at another two stunning by-election victories for Labour, overturning significant Tory majorities, whilst the problems of the last week haven’t disappeared entirely, they are put into better context.

Labour has internal challenges they need to address, that much is clear. But they are facing a Conservative Government that is showing its age and seeming to have MPs eager for a spell in opposition to work out what they really believe in.

After numerous attempts at rebooting his party, Rishi Sunak seemed to have settled on a narrative that he was starting to turn things around, and that the country shouldn’t mess that up by voting for a Labour Government. But with the country now technically in a recession, the Tories have not been able to gain back any semblance of fiscal responsibility.

Keir Starmer’s Labour Party needed their own reboot moment this week, and the victories in the Wellingborough and Kingswood by-elections look like they have provided them precisely that. Tougher and more regular challenges lie ahead in a General Election, but with May now looking unlikely (what Government wants to fight a cost-of-living election whilst in a recession?) Labour has more time to ensure it is in tip top shape to handle whatever is thrown at it.

Conservative viewpoint

By Mario Creatura, Former Special Advisor to Theresa May

Oppositions don’t win elections, governments lose them.

That old political maxim was given new credence in the early hours of this morning when the results from the two Parliamentary by-elections came in.

Unlike opinion polls, by-elections are the chance to see what real voters in a real election context think. Whilst it was clearly not a good night for the Conservatives, beneath the headline result it was hardly a ringing endorsement of Sir Keir Starmer’s Labour.

Turnout was halved in both constituencies by almost the same percentage of Conservative votes. The Conservative voters of 2019 appear to have stayed at home in their droves – motivating them over the coming months will be key for Rishi Sunak.

In Kingswood the votes cast for Labour were more than 5,000 votes lower than they received in the seat in 2019. Now, by-elections always receive a lower turnout, but the size of Labour’s increase in both Wellingborough and Kingswood is almost half the size of the Conservative vote reduction. The voters here were not enthused enough to come out for Labour.

Psephological pundits will be reminding us today that by-elections are not the same as General Elections. The former is often used to send a message, to punish the incumbent. You have to be an especially motivated voter to take part in an election that you know won’t change the outcome of who runs the United Kingdom.

General Elections are a different kettle of fish entirely – expect turnouts of over 70% versus the 30-40% in a by-election. A different profile of voter is therefore engaged, it’s simply more important and therefore the frames of reference for voters will be much wider, and harder to predict.

In so far as we can infer anything, yesterday’s by-election results offer two main conclusions: firstly that the Conservatives are presently losing the confidence of the voter coalition that so successfully delivered them their 2019 victory. But perhaps more importantly, voters aren’t sold on Labour’s vision. They aren’t enthusiastically rushing to the polling booths to endorse Starmer, they’re instead reluctantly ticking the box simply to oust the Conservatives.

Labour will be publicly pleased with the result, but the apparatchiks in Conservative HQ will not be too disheartened – if a week is a long time in politics, then an Autumn election is an eternity away.

The Conservatives will remain determined that it’s all still to play for. The most successful election winning machine in British history is just getting warmed up.

The MHP Public Affairs Team will be keeping you up to date with the latest news and analysis in this important election year. Please contact [email protected] for further information.

MHP Group supports groundbreaking cross-sector initiative, Destination Nuclear

Posted on: February 15th, 2024 by Morgan Arnold

Destination Nuclear is a first-of-its kind, collaborative cross-sector initiative for the nuclear sector. Designed to attract more people into the sector and help fill critical skills gaps, MHP Group’s Studio team has led a cross-agency team in developing an integrated, national recruitment campaign.

The campaign launched this week and can be found on out-of-home billboards across the country, on radio and digital channels, a campaign website, and is fully supported with PR and social media. Working with partners Studio La Plage (creative), Total Media (media) and Brandwidth (website), the campaign aims to help people understand the opportunities within the nuclear sector and to help the sector double the workforce over the next 20 years.  It comes at a exciting time as outlined by Minister for Nuclear, Andrew Bowie in his statements below.

“The UK has begun the biggest nuclear power expansion in 70 years, with our world leading SMR competition and plans for a new mega nuclear plant similar in scale to Sizewell or Hinkley.

“To meet our ambitions, we need to rapidly ramp up recruitment in the sector, making sure we have enough people from engineers to welders to design and build new nuclear.

“Nuclear has fantastic career opportunities, and we want people of all ages to consider joining a key industry of the future.”


The Traitors take on Creative Shootout

Posted on: February 6th, 2024 by Morgan Arnold

4 hours… it’s a trip to Manchester from London. It’s a good time to run a marathon in. You could even catch up on a whole week’s worth of The Traitors.

It’s also how long the team at Mischief (Lewis Durkin, Cian Hearns, Anna Ouseley-Giraldo and myself) had to respond to a brief from Carers UK for The Creative Shootout 2024. Not long!

So what is Creative Shootout?

In their own words, The Creative Shootout is the UK’s leading done in a day creative-for-good awards, that tests the mettle of the UK’s best creative agencies on a real brief from a Charity of the Year.

In our words, it’s an exciting day to completely immerse yourself into a brief for four hours, before (terrifyingly) presenting in front of a live audience at BAFTA.

This year’s selected Charity was Carers UK, whose mission it is to make life better for the UK’s 5.7 million unpaid carers.

But before even thinking about getting to BAFTA, we had to submit a 60 second video which showed Carers UK why we think we should be on that stage.

For our entry, we createdThe Interview’. Being an unpaid carer is the one job that you don’t apply for, and even if you could, you wouldn’t want to. Based on this we created an eery first-person style interview, with the viewer unsure what is happening until the powerful final credit.

And from this, we made it through to the Live Final Show alongside seven other talented agencies!

The Live Final

At around midday, we received a brief from the brilliant Helen Walker, Chief Executive at Carers UK.

It currently takes on average two years for someone to recognise themselves as a ‘carer’ – meaning they’re not getting access to the support that is available whether that be benefits, mental health, employment or financial. Our job was to come up with a campaign which halves this time. It’s also worth mentioning that we were also told this isn’t a pitch presentation and to bring theatre.

When it comes to our approach, as much as we wanted to encourage people to spot the signs within themselves, we think the best results occur when those closest to us drive the realisations. So that’s how we framed this conversation.

How do we help millions across the country see that their closest friend, their parent of their neighbour has the traits of a carer? We proposed working with the best in the business. Those who have ample experience in spotting the subtle – and not so subtle – changes in habits and behaviours in those around them.

Enter Claudia Winkleman of course. (Or the best we could do in four hours, which was me in a wig and cape…)

Our campaign was The Carers, a spin on the nation’s love for the Traitors, to get the everybody looking closely at those closest to them to uncloak the unpaid carers amongst us.

With an emotive piece of content in the guise of The Traitors roundtable, Claudia (the real one!) would lead an investigation into the cloaked carers around the table, highlighting that they are all around us. With real-life round table pop ups in the UK to educate people on what to look for, and a solid £250,000 media package across broadcast and OOH, the whole nation would be behind the drive to get unpaid carers the support they need.

The whole process and presentation was great fun. Whilst we didn’t get top three, we were proud to have made it to the final. We even got a round of applause mid-way through which felt like a win. Plus I took the wig and cape home.

Well done to all of the other teams that took part. It’s exciting to see what’s possible in four hours. Hopefully we see you again next year to bring more Mischief!

Three ways influencers can help your business in 2024

Posted on: February 2nd, 2024 by Alexandra Stamp

For at least the 8th consecutive year, influencer marketing continues to grow in investment as it becomes an insurmountably effective (and cost efficient) way to reach and impact audiences. Google searches for ‘influencer marketing’ have risen 400% between 2016-2023.

It’s no surprise influencer marketing is the glint in so many comms and marketeers’ eyes, as countless studies have proven the effectiveness: 

In 2024, 67% of marketers will significantly increase their spending on influencers, and 23% will allocate almost half of their total budget to it.

69% of Consumers Trust Influencers’ Recommendations 

Big trend 1:  Feel and Look

Out with carefully curated, polished aesthetics, and in with the emotion and the substance to influencer content. This is where artful storytelling and authentic emotion combine to create a genuine audience connection. The art comes in choosing the right influencer who can credibly incorporate your message, and bring enough creativity to inject personality and an emotion connection. 

We’d dug into the nuances of how this trend shows up and pinpointed some replicable formats where it’s being applied with great results.

  • The evidence:TikTok and short form, phone shot video means faster and more ‘raw’ content creation is favoured 
  • Cross channel popularity of podcast formats see more demand for ‘real stories’ and focus on substance over style  
  • Human evolution of B2B and corporate: putting the human in corporate and employee influencer content 

Case in point:

The FCA wanted to warn consumers about Loan Fee Fraud in the run up to Christmas: an especially sensitive message given the pressure many feel to ‘keep up appearances’ amidst a backdrop of rising costs. We worked with consumer champion @MisterCarrington to craft a heartfelt piece of content which didn’t give a finger wagging warning, but opened up about this pressure and ways to protect yourself. The video got over 4m views.  

The outtake: Quality over quantity. Choose a partner who can bring an authentic reason to talk about your message, and make sure your briefing is flexible enough for them to inject emotion and storytelling.  

Big trend 2: Crowdsourced content 

Authenticity is often overused as an influencer cliché, but it’s true… we’ve long moved past the days of brands talking AT their audience through the guise of the influencer’s voice parroting their message. People want content for them, about them, and in 2024 BY them.  

The evidence: 

  • 2023 saw ‘street mic’ videos really take off, and we expect this will skyrocket in 2024. This is where influencers take to the street to have honest conversations or ask questions to the public- whether that be how much they earn, their political views, or when they last had a smear test.  
  • UGC or user generated content continues to rise, with brands asking real people and nano creators to share their experiences, often grouped into a challenge or campaign 
  • Any content that feels organic rather than brand led, and invites audience interaction 

Big trend 3: The year of the influential voice  

Say goodbye to your mass following, palatable and filtered content-churn machines of 5 years ago. Make way for influential voices: individuals with a highly niche audience, expertise, or authentic voice who can collaborate with your brand in a strategic and specific. That’s not to say that celebrities and mass influencers don’t still have an important role, but that there are now more opportunities to create impact with highly niche voices -win win! 

Influential voices can fulfil more complex objectives, and targeted impact than the rudimentary #SponCon of days gone – especially for industries beyond beauty, lifestyle, and FMCG.  

Influential voices mean: 

  • New and niche angles: hyperlocal, experts, unique and authentic voices 
  • Longer term and more complex collaboration (as opposed to churned out spon con) 
  • Better diversity  
  • New(er) platforms: the rise of the LinkedInfluencer  
  • Employees take the spotlight 
  • New styles of content e.g. thought leadership   

The outtake: Consider new and niche routes of influence for hard to reach audiences 

What can I as a brand do now? 

  1. Think about your opportunities – if you have hard to reach audiences, want a behaviour/perception change, or want a way to humanise your brand influencers could be the answer
  2. Map your influential voices to look for potential advocates
  3. Mobilise your employee influencers and spokespeople online
  4. Start building a team of long term ambassadors, and collaborate with them to insert some authentic emotion and storytelling into content

Here at MHP we’ve pioneered a lot of work into the Networked Age, looking at the behavioural and social factors that shape communications. We know that we are influenced by individuals like ourselves, and having the right influencer is key for ideas to gain traction. Individuals matter far more than the brands they work for and we tend to listen to experts and voices who share our own values. 

Reach out to our digital team if you want to discuss what influencers could do for your business: [email protected]

Financial Services Pulse | Money Matters

Posted on: February 1st, 2024 by Morgan Arnold

Welcome to Money Matters, part of The MHP Financial Services Pulse. Our team of experts bring you their take on all things money and the communications considerations that the hottest trending topics in the space are creating. 

Are star fund managers a dying breed? 

Recent press coverage would point to the demise of the star fund manager.

Consistent redemptions seen by Terry Smith and Nick Train over the past year have been in focus, while the recently announced departure of Ben Whitmore from Jupiter sent the firm’s share price into a spiral. Meanwhile, Bobby Jain’s attempts to have the largest ever hedge fund debut seems set to fail, with expectations now being managed down. Looking further back in time, the retirement of James Anderson dominated the business pages. The less said of the fall of Neil Woodford, the better.

At the same time, we are seeing the rise and rise of passive investing. In the US, the amount of money in passive funds has for the first time outstripped that in actively managed counterparts – an eye-watering $13.3trn. How much of this is the pull to passive vehicles or more generous interest rates – and how much of this is a push from seemingly underperforming actively managed funds remains to be seen.

But the underlying debate between stockpicking versus following the market is not new. Nor indeed is the question around the value of the superstar stockpickers and their pulling power. The same questions could have been asked 10 years ago. And they were. For instance, the Financial Times questioned in March 2014 whether star fund managers are a dying breed. Since we still have well-known, highly respected names in the industry that seem to shine brighter than others and inspire client loyalty whatever the investment weather, the answer remains no.

That’s not to say nothing has changed, especially since the Woodford debacle. Larger fund houses are clearly more alive to the downsides of star managers – whether the key man risk, the perception of a lack of appropriate controls, or client concerns around long-term succession planning. That’s why they are far more disposed to communicating the infrastructure, processes and technologies that sit behind their portfolio managers and the collegiate teams that drive performance. Process over individual personality has become more common, through necessity; performance doesn’t just rest on one individual’s shoulders.

Investment personalities in The Networked Age

But of course that’s just part of the story. Star fund managers are a distribution team’s dream: they generate their own brand awareness, media interest, and ultimately inflows. As such, they will by necessity remain a core part of fund management’s marketing machine.

And in The Networked Age – the volatile, activist and polarised landscape we communicate in – there is a simple lesson that continues to help star managers cut through: the messenger is as important as the message. Essentially people connect with people they identify with or are inspired by.

We believe passions spread ideas. And through big personalities passionately demonstrating their conviction in their investment approach, they become highly effective – and often highly trusted – messengers.

Despite the advent of AI, and the rise of passives, investment involves humans, and therefore cannot be emotionless. This means there will always be a role for mavericks that we place our trust in – hoping we have found the next genius that can beat the market.

Diversify your spokesperson portfolio

Star managers deliver investment companies huge media profile. But the key lesson for communications teams is this: do not place all of your eggs in one basket. Managers do not stay in situ for ever. This means thinking beyond pure succession planning for a single manager; it means demonstrating the expertise and range of personalities across your portfolio managers. It is far better to build a small team of Galacticos than rely on one star player.

You can read all of our Financial Services Pulse content here. For more information about the Financial Services team or to discuss this topic further, contact Dan directly at [email protected].