31 December 2014! (Bill, my fault, it's now 1st Jan) I can't believe we have reached year end, time really flew this year!! So many things changed, so many new things were implemented as all of us – willingly or not – embraced the regulations imposed. Was it easy ? Was it difficult? I am pretty sure each one of you has many things to say about this year…….

While we are heading fast to the New Year's dawn, trying to imagine what 2015 will be like, I am sure about one thing only. More regulation lurks around the corner!

Morrison & Foerster LLP over at Lexology have prepared the EU regulatory agenda for 2015 and set out the likely key areas of activity during the year.

I hope you all have a great time tonight at New Year's Eve and may 2015 bring to each and everyone one of you whatever you have wished for.

ML