[Margaret Pilkington]

Does it make one iota of difference if the architects of the fiasco that was to bring the Royal Bank of Scotland and HBOS to the brink of collapse, apologise now?
No I don't think it does. They were neglectful to an almost criminal degree....but they can say 'Sorry' with their fingers crossed behind their backs and ride off in to the sunset....safe and secure in the knowledge that they are financially secure......something which many of their customers no longer are.