Introduction our business; our marketplace; our products; financial highlights; why we manage cr. Governance and management our commitment to cr; how cr is governed and managed; our stakeholders; managing our risks; tax; sustainability assessments and membership; assurance and audit Our customers the customers we serve; our products; the role of agents; responsible lending; aPr; customer satisfaction; collecting debt; policy and regulation; preventing money laundering and fraud; supporting the money advice sector.