The time horizon may be too long for sole reliance on market solutions - but perhaps the inventiveness of the financial services industry will prove me wrong that point!

But our system of regulation must keep up with this. If it fails to keep up, it will hold back economic expansion. We need financial market regulation that works at national and European level.

Of course the EU and member states must work to ensure that people moving from one country to another understand their obligations and their rights in areas like health, road safety and further education.

Financial service providers act as the lubricating oil in the economy. They link consumers who want to invest their savings for a good return with companies who want to borrow on best terms for expansion.

David Cameron says he wants to keep Britain in the EU, but his tactics are so divisive that, if he gets what he wants it will be at the price of huge ill-will in Europe; or if he doesn't, it will be at the price of increased anti-EU sentiment in his own party and in British society.

The Irish Free State was one of dozens of new European democracies to emerge from the cauldron of the 1914-1918 war. It was one of the very few that was still democratic in 1939. This book shows how the steely determination of one man, Kevin O'Higgins, made this possible. O'Higgins faced down mutinies in both the Gardai and the Army. He dissolved the Dáil Courts which were a parallel system that might easily have undermined the conventional courts. With WT Cosgrave, he put through a constitution which reconciled the local opponents of independence with the new State.

Non-proliferation will only work if all states are willing to cooperate, and that will only happen if all feel they are being treated fairly.