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    There is a lot of historical stuff here Jan and it takes a lot of time to turn around the behaviour of these large organisations. They are certainly not focussed on client service the way they should and their whole operations, these days, is far too risk averse as a reaction to the 1998 to 2008 period when they were too cavalier over risk. They just do not seem to understand where the balance should lay. The regulators certainly need to take a lot of the blame both historically for being too 'loose' and now for being over the top - some though is down to increased European requirements as well.

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