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    Howard - you are right up to a point, and I am the first to agree that we are all responsible and must bear consequences - you know that by now!!! - but greedy corrupt and feral bankers and moneylenders are also culpable. There are vulnerable people who are suffering badly because of the lack of safeguards and the naked greed of lenders - if you are going to run a business based on risk, you have to accept the need to risk assess. Bankers failed, the people they employ failed, and it is all down to simple greed, leaving the rest of us burned and the bankers bailed out.

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