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    Nothing is ever free. In fact it is dangerous for people to think that certain things are 'free'. My own industry was blighted by the concept of 'free advice' that turned out to be far more expensive than openly fee based advice.

    Your cynical characterisation is far from reality. I, for instance, frequently choose not to buy 'cheap'. Quality and cheap are very different. The economy and the markets are so much more than you suggest and the big problem we have is the way politician seem to think they can defy economic and market reality. We see this most starkly in the Eurozone and in the UK we can see it in the 1997-2010 period and even now not enough is being done to correct that blight.

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