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Structured products, personal pensions, payment protection insurance, mortgage endowments: virtually any retail investment which has resulted in big losses for customers can be traced back to the customer adviser at their local branch.
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Pensioners like Ted were alarmed this month to find their pension payment was delayed.
All those answers can change the final pension payment.
He receives a monthly pension payment of $4,700, records show.
The average pension payment in California is around $29,000 a year; in Detroit it is $19,000.
"His premium for his medical insurance was going to be $100 more than his pension payment.
Will the government stop uprating my pension payment if we leave?
* The current annual pension payment amounts to c.£580,000 per annum.
From this year his annual pension payment will drop from 45% of salary to 40% of salary.
Many Senate Republicans also voted "no" on bills to make the state's full pension payment this year.
Pembrokeshire council has insisted its pension payment policy was lawful.
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