It is good to see the regulator treating firms fairly across the board.

In the 1980s, Americans preferred milk chocolate and sweeter centers. Today, we have seen a shift in consumer preferences, towards darker chocolate and more exotic flavors.

Historically, Europeans have been fanatical about their chocolate, especially dark chocolate. Slowly, that trend has made its way to America.

Services need a clear focus. The problem is that [agencies] are not all singing from the same hymn sheet.