At the time of writing, as the great and the good headed home from Davos World Economic Forum, bankers have indicated that they may agree to far-reaching reforms whilst financial regulators warned that they could take drastic action to take some of the risk out of the financial industry. As to how this reflects - and indeed impacts - on the markets going forward, Drew Hillier speculates that we may not be going forward at all, merely differently sideways... tempered with an overwhelming feeling that as far as a recovery is concerned, we have yet to fully ascertain if the wheels may be either half on or half off!