Increasingly volatile spending patterns could start to worry regulators - the latest Office for National Statistics data found savings ratios dropped to their lowest levels since records began in 1963, while disposable income for UK households has seen the sharpest drop in almost three years. Should caution return to the market? For insight into this story and more, Jeremy Stretch, head of G10 FX Strategy at CIBC Capital Markets, joined Share Radio's Ed Bowsher.