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with the former chief of HBOS following the disgraced head of RBS, as knighthoods are lost, pension payments reduced and investors and shareholders take legal ­action against the boards of their banks as the scandal of greed and mismanagement in the sector unfolds, can someone please refresh my memory?

In the past, when we dared to complain about their massive pensions and obscene bonuses, were we not repeatedly told that these fabulous sums had to be paid “in order to attract the best people”?

Walter J Allan