R:Yes,that's right .But it only takes overnight for any bank in the city and just a day or two for banks outside the city .

She found instead that most bankruptcies resulted from job loss or illness at home, a situation made worse by Banks that were increasingly learning to trap people in costly debt cycles.

The bankers, it was said, would take a longer view and be more understanding of downturns than the fickle stock - or debt-markets sought out by firms elsewhere.