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* 1. Where and how do you see risks being transferred from institutions to individuals in the area(s) you work in, or in wider industry and society? 

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* 2. Explain your answer in more detail here:

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* 3. Are these transfers working in or against consumers’ best interests, and why?

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* 4. What do you think are the main drivers of this phenomenon?

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* 5. Explain your answer in more detail here:

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* 6. Which consumer groups are benefitting and which are being negatively affected by this risk transfer?

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* 7. How are these groups being affected?

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* 8. Are there any examples of regulatory or policy interventions which are either supporting consumers to maximise the opportunities afforded by choice, or helping to tackle the potential adverse impacts?

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* 9. Explain your answer in more detail here:

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* 10. What are the current barriers to interventions in this area and how might they be overcome?

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* 11. Explain your answer in more detail here:

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* 12. Your name

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* 13. Name of your organisation (if applicable)

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* 14. We may anonymously quote from answers to this call for evidence throughout the campaign.

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