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    Remember the shrewd comment of Christopher Fildes, former City columnist of The Spectator: "Giving capital to a banker is like giving a gallon of beer to a drunk. You know what he will do with it. You just don't know what wall he will choose to do it against." Regulation is all-important with banks and Brown, at Balls' suggestion, chose to loosen the reins disastrously in 1997/98.

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