So it is reasonable to assume that RBS has reinforced its foundations and structure to cope with all but the most acute and extreme of financial shocks.
The work should begin with a shakeout of the FDA regulatory apparatus, an archaic structure that can no longer cope with the pace and complexity of modern bioscience.
However, I think Data Vault is still very usable to model the data, to structure it, to deal with issues like cascading updates and to cope with the overall complexity.
So whatever emerges from Southern Cross's crisis must surely be a business whose basic structure is far more robust, where there is no doubt about it's ability to cope in bad times as well as good.