Thanks for your reply John. Seriously though, this problem was caused outside the UK and compounded by our greedy City. Sure, the FSA SHOULD have been clamping down but, as the City strongly objects to regulation (preferring, surprise surprise - self-regulation) any Tory government would never DREAM of curbing their sort of excesses. It's too easy to make promises (now) when it's not their responsibilities. I'm sure the Tories WILL get in but there is NO CHANCE that any sort of "One nation party" - as the Tories would like us to think of them - will emerge. Hopefully, we (you and I) live long enough to see the next government - BUT, believe me, OAPs will NOT be anywhere near the top of THEIR agenda.