The big mistakes to make with banks are to reward failure and to treat them as indespensable. Of course the banks will tell you they need cheap money, and they can do better than government, in most cases they can. But you need to reward good banks and clean out bad banks, you also need to allow new banks and funding institutions into the market to create competition after the dead wood has been chopped out. We all know we are going through consolidation now in the banking sector, and this is a good thing, but we should consolidate around the best, not around the friends. On the economy, we do need fundamentals, there is heavy speculation at the moment, but there is little underpinning of the real economy. We will at least be bumping along the bottom for some time with even some further dips. This will directly affect peoples lifestyles, so we need make this period as short as possible, and get us into growth mode. Jobs are crucial over the next 12 - 18 months, However what is more crucial is making sure those jobs are created on a sustainable vector.