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    Actually I agree there Tom. Thinking about it there should be room for the government to allow banks to go bust. It is not healthy for any business, including banks, to think they will get a bail-out if things go wrong.

    Incidentally - the investor compensation scheme, up to the £85000 level for deposits and £50,000 for most other types of investment is covered by the financial industry. What I have to pay as a Financial Services Compensation Scheme levy would make your eyes water!!!! It went up 70% last year and is going up again this year.

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