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    Lots of dodgy lending and using suspect derivatives to a larger extent than was wise Howard.

    What this proves is that the general hatred towards bankers from some quarters is overdone and unnecessary. It only arose because the last government wanted and needed scapegoats to cover up their failures over regulation and the economy.

    By the way, I am no particular friend of the banks, Howard. Barclays recently received a well deserved fine from the FSA over consumer advice failures. Banks are the worse possible people to give consumer financial advice.

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