Political: Decisions made by the government, Conservative leadership, Decision to leave the EU, Economic: A change in interest rates, Fiscal policy, A rise in inflation, Social: Attitudes to saving, Demographic trends, Language and culture, Technological: Improved communications, Introduction of automation, Access to the internet, Legal: Laws introduced through parliament, Enforcement of the companies act, Financial services regulation, Environmental/ethical: Deforestation, Managing waste and pollution, Enforced recycling,

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