The City watchdog, the Financial Services Authority, has responded to the Queen's comments that it "didn't have any teeth" to deal with the financial crisis in 2008:
We've widely acknowledged that the regulatory approach before the financial crisis in 2008 was flawed and has since been completely changed.
Parliament is now awaiting Royal Assent for the Financial Services Bill, which will determine the powers for the new regulators that will be created next year.
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At times a little fair weather cloud may bubble up - and there will be a fairly brisk southeasterly breeze - but it will still feel hot.
Analysis of data from hospitals in England showed patients were waiting longer for ambulances, treatment and admission.
She told reporters: "I don't think it's fully sunk in how really bad that could have been, I know it's not the right decision."