I'd like to hear from more of the British 'Catters on this one. If I'm not mistaken, the UK tried this "personal accounts' thing (or something very much like it) back when Lady Thatcher was still the Prime Minister. It is now coming to light that it has achieved exactly the opposite of what its proponents claimed for it. Further, one of the most strident voices in the push to correct the mistake is Lady Thatcher herself.

Stephen Lee