Welcome to this double edition of The Standard, combining our news from over the summer just as we go into autumn. At the beginning of July we published our annual report and accounts for 2018/19. You can find out more about our highlights for the year or see some of our key statistics in this edition. We also welcomed the Government's response to its consultation on regulatory reform, though did caution about the need to have increased accountability if regulators have more flexibility to make and amend their own rules.