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Mergers and acquisitions (M&As) are a key driver of corporate growth, productivity and competitive advantage. Yet many deals have not lived up to their expectations, falling far behind the desired synergy effects.

The Augar Review focuses in the reduced annual fee for UK and EU undergraduate students. However, this can be seen as a misrepresentation of the government provided loans for tuition fees.

In certain sectors - notably banking, energy and telecoms - customers are exhorted almost continuously to consider ‘switching’ supplier. Organisational structures have been developed to facilitate switching and the strategy of switching tends to be strongly supported by the regulator in those industries. For example, over 40 UK banks and building societies now participate in the ‘Current Account Switch Service’ run by the payment service, Bacs. In the energy sector, there is an ‘EnergySwitch guarantee’ and the regulator (Ofgem) provides advice on how to switch to a new supplier, as does Ofcom for the telecoms sector.