Surprisingly, there are parallels between the contemporary world of the financial citizen and the changing worlds of early modernity. Individuals, advised by intermediaries, traverse an unfamiliar world that is newly regulated. They must make untried decisions and are dependent on others in the market whose behaviour may or may not comply with the rules, principles and values of regulation. Their safety depends on this. The impetus for my journey came from the removal of financial services from the Trade Practices Act. On the way, there was an LLM program in financial services law in the Law Faculty at UNSW and another course at the University of Sydney. There are many people I must thank. Chris Connolly taught with me at UNSW. The team from Clayton Utz brought their expertise to the classroom and, in particular, Jon Moutsopoulos. I have been blessed by research assistants who have fitted my requirements around their other commitments for shorter or longer periods and then gone on to more illustrious occupations: Shaun Chau and Nick Hume, Greg Weeks, Bernadette Radford, Jess Saya, Lisa Chang and Patrick Crisp. Many actors in the financial services market – regulators, industry lobbyists, ombudsmen, journalists, litigants and fellow financial product acquirers – along with academic colleagues and reviewers in Australia and elsewhere have made contributions to my understanding and I extend my thanks. A final tidy up of the book was undertaken in New Delhi while a Fellow of JNIAS at Jawaharlal Nehru University.