the cordite! You are the discredited and failed past!..........' Not at all. I have said what I consider works. As far as I am concerned you have yet to propose anything that will work, all you want to is dismantle which will reduce functionality. I find it hilarious when I am exporting, manufacturing ethically, using novel techniques, employing people, retraining people, that you think you can criticise me when by your own acount you have shut down a manufacturing facility decades ago and shipped the work abroad. I would say that was a discredited and failed past somehow. Fraud and abuse does not mean a system is beyond use. It means more ethical policing is needed and better regulation is needed. Obviously these are needed because steps have been taken to do both. I have not exonorated the bankers I have said they are not front of the queue for attention. Please concentrate on who benefits from the bankers being a scapegoat. I have previous said that there is no sign of the system being reformed in the way you seem to want for this to happen it has to be determined that a crime has happened and whether you and others like it or not the report on the FSA says there was nothing criminal. Therefore the door is shut on your ambitions in that direction. I am not shutting the door, somebody else has. You principly post that interst rates are too low for your liking. It is