What is the fine-grained topic of the following text: Our final edition of Fundamental for 2018 leads with a special feature on the significant disruption currently witnessed across the financial services sector, including the fallout from the Interim Report of the Financial Services Royal Commission; questions around the "efficiently, honestly and fairly" standard for financial services; a new code of ethics for financial advisers; and the latest on the Design and Distribution Obligations and Product Intervention Powers Bill. Only return the topic.
Disruption in the financial services sector in 2018.