In the police interviews Ms Smith told detectives she was hysterical and was outside in her underwear and was given a blanket to cover herself while her partner got onto a flat roof at the back of the premises with other people to try to help the family above escape.
Until regulators agree on a common set of sufficiently high standards banks will seek cover under the thinnest regulatory blanket and lobby to make sure their tails wag the regulatory dogs.
For TV and more informal rooms it is lovely to cover the sofa with an assortment of down-filled pillows and to have a soft blanket or quilt hanging over the back.