Towards a Single Market in Retail Financial Services – Reflections on the Role of ADR - Legal Issues of Economic Integration View Towards a Single Market in Retail Financial Services – Reflections on the Role of ADR by Phoebus Athanassiou,Sandy Mavrommati - Legal Issues of Economic Integration Towards a Single Market in Retail Financial Services – Reflections on the Role of ADR Phoebus Athanassiou Sandy Mavrommati 33 3 Legal Issues of Economic Integration