Change is a central theme to our Investor Perspectives campaign, and this particular episode looks at how investors are grappling with consumer driven structural shifts, which has caused distress and a need for restructuring specialists. Julia Martin, Head of JLL's EMEA Student Housing Capital Markets team is joined by Ian Guthrie, Senior Managing Director and founder of JLL's pan-EMEA Loan Advisory and Restructuring Services and James Rowney, Head of Solutions at Natwest Bank.