http://www.legislation.gov.uk/ukpga/2000/8/section/5/notesUK ParliamentBuilding societiesFriendly societiesLegislationFinancial service industriesExplanatory Notes to Financial Services and Markets Act 2000HM TreasuryKing's Printer of Acts of Parliament2018-03-05 8 14 June 2000 39 Subsection (2) sets out factors to which the Authority must have regard when considering the appropriate degree of protection.  These are, briefly, the degree of risk involved, the sophistication and experience of the parties to the transaction, the need of customers for advice and information and the general principle that consumers should take responsibility for their decisions.  There is no obligation on the Authority to place particular weight on any one of these factors.