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    Perhaps if Brown had not changed the well proven BofE regulatory system of the banks we would not have half the problems we have now. You cannot blame a shark for acting like a shark after all. Its no good blaming bankers, you really do have to look at the Government who themselves foolishly undermined their bailouts. To charge 12% interest and expect the banks to charge less to the public and businesses is one example. The other stupid thing they did was tell the banks that if they wanted the cash they would not be able to issue dividends. That immediately undermined the share price, including those shares held by the Government..... Even the most experienced investment adviser will tell you that investment is made into banks by income seekers, not for growth, and dividends have always been a key driver for banking investment.

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