I suppose in the end it all comes down to ones experience of these people - for that's all they are I guess - people just like us, trying to make a living from the dull earth. And let he who is without sin etc......

My experience of one of the names on your list has not been a happy one. And if that makes me stupid, so be it.

Something in the air, round the houses about that business though.....someones getting screwed somewhere. that's how I feel and think. And furthermore i don't think you'd have to throw a stick too far before hitting someone with a horror tale about any banking institution.

lets hope you're right, but won't you admit the possibility of being slightly naive.