Insufficient regulation and monitoring of the financial markets are blamed for the global financial crisis. Both politicians and the banks have promised tougher rules and greater transparency. But what has really happened?German magazine "Finanztest" writes that "consumers continue to be misled" and that the number of non-transparent financial products on the market has not fallen. The only difference now is that investors are being offered "guarantees" instead of "opportunities". The pressure on bank employees to produce profits hasn’t diminished either. They're still encouraged to sell clients financial products which even experts can barely understand. Our reporter Kerstin Schweizer delves into the world of finance.