It has been a masterful fight-back by the big banks. We the paying public can't do anything much except admit defeat and settle back for the next set of bills. In the meantime, perhaps, we should try and think of a name for the new economic system, which certainly isn't capitalism ... The most accurate term would probably be "bankocracy".

The City is, in terms of its basic functioning, a far-off country of which we know little.

In other words, RBS had its origins in a failed speculation, a bail-out, and a financial crash so big it helped destroy Scotland's status as a separate nation.

You heard people say forty was the new thirty and fifty was the new forty and sixty was the new forty-five, but you never heard anybody say eighty was the new anything. Eighty was just eighty.

Any flights would be taken business class, since Roger thought that the whole point of having money, if it had to be summed up in a single point, which it couldn't, but if you had to, the whole point of having a bit of money was not to have to fly scum class.

It can be a way of knowledge, a path, an inspiration, a Tao, an ordering, a memory, a fantasy, a seduction, a prayer, a summoning, an incantation murmured under the breath as the torchlights sink lower and the forest looms taller and the wolves howl louder and the fire prepares for its submission to the encroaching dark.

It's as if people used the invention of seat belts as an opportunity to take up drunk driving.