Saving the planet, watching over the Rift, preparing the human race for the twenty-first century. Torchwood has been keeping Cardiff safe since the late 1800s. But Torchwood do not always see the effects of their actions. What links the Rules and Regulations for replacing a Torchwood leader to the destruction of a supermarket?

Tiger Bay, Cardiff, 1953. A mysterious crate is brought into the docks on a Scandinavian cargo ship. Its destination: the Torchwood Institute. As the crate is offloaded by a group of local dockers, it explodes, killing all but one of them, a young Butetown lad called Michael Bellini.Fifty-five years later, a radioactive source somewhere inside the Hub leads Torchwood to discover the same Michael B

On a fateful day in September 2001 for Martin Davies, at his workstation in the sweatshop of a call centre, a dull day is going bad as he is forced to confront his empty life, his failed relationship, his hateful job. He's only twentysomething, he'd like to be a writer. But in America things are about to change for ever.

Tiger Bay, Cardiff, 1950: A crate is brought into the docks on a cargo ship. As the crate is offloaded by a group of dockers it explodes, killing all but one; a lad called Michael Bellini. Fifty-eight years later a radioactive source leads the team to discover the same Michael, still young and dressed in his 1950s clothes, cowering in the vaults.

This book examines experiences from a variety of supervisors and policymakers from different countries to cross-fertilize ideas on issues of financial supervisory structure and to better understand why and how some countries have initiated structural changes.