ABSTRACT. Atkinson et al. argue that increasing complexity of financial services provision has made it more difficult for the average consumer to be sure they have made appropriate provision. Fujiwara et al. review how monetary policy should be conducted in a liquidity trap caused by the zero nominal interest rate bound. Collard notes that, in recent decades, access to financial services has become much more widespread in the UK. Carbo et al. outline the nature and causes of financial exclusion, highlights the extent of exclusion across Europe and discusses the various policy/industry responses to tackling financial exclusion.