The former Glasgow head teacher has a no nonsense way about him, rather like a Scottie dog with a bone.

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"Indra is like a dog with a bone, " says Enrico.

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Mr Bailey - who describes himself as a dog with a bone on this issue - says government or regulators will have to intervene to force banks to tell us the true cost of their services.

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And one -- British Prime Minister David Cameron -- even bestowed Bo, the first dog, with a bone-shaped chew toy adorned with a UK flag.

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It was a classic dog-with-bone story.

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