In the past, I have described the three essential elements of fairness in the financial system as a three-legged stool because all three are necessary for any aspect of fairness to work. The three are (1) financial capability, (2) financial access, and (3) consumer protection.
5  Morgan (2003) focuses on the difference between the fall in the business fixed investment deflator and the decline in business fixed investment goods prices in the Corporate Price Index, and asserts that 50 percent of the annualized growth rate of 3.9 percent during the April to June period was due to the distortion of price indices.