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  That is their choice Mark but thankfully figures show that a lot of people have concentrated on paying down debt and that is in one sense a problem in the short term for the economy.
  
  The banks did take too many risks, they did go too heavily into investing in American banks and most certainly did get carried away acting as normal commercial enterprises rather than the staid institutions I would prefer them to be. If they had not been let loose by Brown from the proper oversight of the Bank of England they would never have had that freedom in the first place.

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