the only winners are the overpaid banking executives, pay your staff more then you need to be paid more and so the remuneration spirals upwards. Or I will scratch your back if you scratch mine, all one big happy family of executives over rewarding themselves for crap performance. Forget what has happened in the past. Forget customers becuase they are just in the background. Forget employees by telling them they are the most valuable company resource by freezing their pay. Those shareholders just forget and ignore because all they can do is complain and be jealous because we are the untouchables and beest brains because we continue to out smart them year after year by delivering crap