PFA Pension, Velliv, LPFA, Morgan Stanley, CalPERS, Kames Capital, Artemis, Janus Henderson, compenswiss, Unigestion, BNP Paribas AM, Ossiam. : Given overall pressure on funding rates and falling asset markets, 2019 looks set to be a year where good governance and adaptability to external events will be crucial Applying economics models to understand politics is like trying to use a trowel to saw a piece of wood in half The lending environment is undergoing a worrying change.