Between January and September 2014, town centres across the UK saw 964 shop closures - two-and-a-half times the amount recorded for the whole of 2013, according to a study by accountancy firm PwC. This has led many to question what it is that consumers actually want, and how financial institutions such as ours can tailor their offering accordingly.
As city natives, we're used to an unhealthy mix of stress and mundanity on a daily basis. We've built an immunity to happiness: but this is probably due to the fact we've realised the lengths we have to go to to pay our monthly rent, which must be paid on top of bills, on top of living costs: food, water, transport.
Unless our governments begin to pursue methods of wealth redistribution that work in the 21st century, we will continue down a path where the vital economic contributors at the bottom and middle of the ladder are squeezed out of the economy, as our wages continue to be eroded and our debts continue to balloon.
We need all political parties to look at the mandatory financial protection scheme as a matter of moral responsibility to protect international students in the UK, who do not have any safety net to fall into in case of any organisational failure of their institution or conflict in their home country.