Uh, do we understand why taking part in the arts has such an effect on our health?

That's a good question because I think, once again, I would like to bring us back into, you know, engaging in different forms of art.

Uh, music, for example.

Listening to music, I'm sure we have our soundtrack of life, right, that we will turn to maybe when we are not feeling energetic.

Like I, myself, you know, I listen to upbeat music every day.

And I think this is where the science actually comes into that engagement and participation, right? When you listen to something upbeat, what it sh- what is actually happening to the brain, and how does that translate into physiological kind of sensory output, right? And then how that might also allow us to shift our state of wellbeing, right? So I think as we talk about health, I think it's also useful for us to be reminded that we don't feel happy all the time, right? Uh, it is really about, uh, doses and sparks, right, of, of highlights in our life that we can try to build that resource, such as, you know, going into the arts, participating in the arts, engaging in the arts, uh, to add those sparkles in our life.

And that would allow us to create like, you know, a, a medium kind of wellbeing.

Do you think that this whole area of creative health is important to explore as Singapore's population ages, Michael?

So perhaps moving on more onto the enforcement side, Michael, could you give us an overview between the distinction between the accelerated procedure and the early admissions process?

Yeah, of course, John.

So I think really the distinction here is about how much information the FRC feels it has.

The accelerated procedure is used where the FRC determines that it has enough information to be able to come to a view on what breaches there have been.

And it might have got that information through various means.

It could have got it through regular reporting.

It could have got it through self-reporting.

Michael, could you perhaps

And Michael, can you kick us off by giving us some of the background and context in relation to the FCA investigating this and then their decision about publicly announcing and what happened about that?

Sure, John.

So since the Hopcraft decision, this is an area that the FCA has been looking into with particular interest.

The Claims Protection Agency, which was the claimant in this case, is a claims management company that's active in the motor finance claims space.

It's been taking on a significant number of customers, a point which we'll come back to later in the pod, no doubt.

And on the 12th of August 2025, the FCA notified CPA that it was opening an investigation into it relating to potential breaches of data.

The advertisements that it had been giving and whether they had been making misleading statements on the potential value of claims, quoting, for example, that customers could receive up to four to four and a half thousand pounds per vehicle.

And perhaps, Michael, you can talk us through what is said in the judgment in relation to that.