HBOS

I had a cheque returned by the bank marked "Insufficient funds" so I called the bank manager and asked "Does that mean you or me?"
The anti-merger campaign seems to be missing the point of the collossal failure of the HBOS business model - not content with an enormous share of the home mortgage market, HBOS also had significant equity stakes in many housebuilders and funded all of this with short term borrowed cash. Sticking in taxpayer funding to prop this up is not the answer - the business needs to be fundamentally re-engineered and the sooner the Tartan Taliban realise this, the better.