I should add that whilst the UK remains the fall guy atm - we should look carefully at the US banking situation and whilst liquidity was the catch phrase of 2008 - solvency ( or should that be insolvency) is and will be the catch phrase for 2009.
Re my comments on JPM - this guy knows his stuff when it comes to "cooked books":)
http://seekingalpha.com/article/116114-jpmorgan-when-i-say-insolvent-i-really-mean-insolvent
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