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  It's more complex than that, Brian. By 'investors' do you mean shareholders? Or depositors? Or clients whose assets are managed by the banks? Or the hedge funds who deal with the banks? Or the big-hitting professional risk-takers who underwrite the deals the investment banks put together? At the end of the day, banking is all about OPM, always has been and always will. Every penny that passes through a bank's hands ultimately belongs to someone else and I think that one of the big ethical failings in bankers since time immemorial has been a failure to recognise that they are merely stewards of these assets, not owners.

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