That\u2019s all very well, and we\u2019re happy to have been officially paper-free for many years now; as in we don\u2019t have any paper files, everything\u2019s stored securely online and it all works very well. We, as advisers are not the problem. It\u2019s the many providers, with presumably huge IT (is it still called that?) departments which seem incapable of doing stuff in a 21st century, online manner. We still get 2 or 3 letters a day from each of half-a-dozen big insurance and pension companies, all of which we have to open, scan and shred. OK, it keeps a postie or two in a job, but otherwise, what an utter waste of time, money, and effort. Ask them why, and they\u2019ll blame \u2018legacy systems\u2019 which are apparently too expensive and complex to change and just can\u2019t stop churning out the paper. Which, of course, we\u2019re all paying for on a daily basis\u2026<\/p>\n