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  I have said it before Mark - governments are THE problem. The difficulties we have with excessive and wasteful public spending that is placing an intolerable burden on businesses, particularly small businesses is a creation of government. The European crisis, likewise and also in the USA though they have the added dimension of the Clinton reforms and the toxic debt...oooohhhh that's because of government interference too...
  
  It suits people like you to find a scapegoat in the bankers, personally I prefer to blame the bankers for the many things they do get wrong, rather than what many politicians want people to think they did wrong.
  
  We would all be far better off if governments sat back and did nothing at all. In fact if we could just wipe out all the new rules, regulations, tax changes and 'above inflation spending' made by the UK governments over the last 16 or so years (yes lets go back to Major's time...) then we would not be in nearly so much doo doo now.

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