Ms Ethna Tinney:

Well, look, I think, you know, we remember ACC, we remember ICC when they were State-owned, you know. I think they worked very well. In many, many countries there have been State-owned and co-operative-type banks. I think that they work better. I do ... I really do think ... I think that the bank ... private banking system is unbridled capitalism and, to that extent, because ... and because it's become so enormous and because the waves go out around it with more and more financial institutions trying to take little nibbles - and that's what I mean about the shark eating its own entrails - so that the end products are that much more expensive for those of us who have to pay for it, that this is actually leading to the situation that we all know of, you know, inequality stretching, stretching, stretching. And also to a size of the financial services industry that's unprecedented and wholly unproductive, except for passing money around between itself. You know, it's frightening.