If you're trying to sort of balance out all of the areas of concern with contracts that force you to pay health benefits and generous pensions to work?
As much as we want Madoff to be some sort of evil monster so we can have some balance given the biblical scope of his crime, what I saw in the letters was not a man of gargantuan intellect and deeply pathological character.
The bank said customers should bring photographic identification and account details (account number and sort code) and a pay-slip if the balance did not reflect any salary payments.
Until America and Europe own up to the true magnitude of the problem and sort bad debt from good to get toxic liabilities off financial-industry balance sheets, no amount of talking or stimulus will mend the global downturn, he warns.
"The problem is that the public don't understand that this is the sort of thing that we expect every year anyway, so it's very difficult to get the balance right, " he said.