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@rhb
I used to work for Abbey, became Santander. They asked me to study the ACIB (Chartered Institute Bankers), what I learned on the first module about the financial system put me off continuing, still got the text books as a reminder.
The conclusion I reached was that the system as it is will always fail eventually, as will any system that is built on a foundation of confidence and not a great deal more.
It's more than likely I simply misunderstood what it was all about though...