Idv c) With reference to at least one 21st century scandal, explain whether you feel market participants now self-regulate more effectively than they did at the turn of the century. (7 marks) ONSb) "Technology has changed financial markets beyond all recognition, and largely for the better." Critically analyse this statement, with a particular emphasis upon the effect technology has had upon accessibility, regulation, and the way money is managed and markets are traded. (12 marks)