He identified it as a major problem for banking competition and innovation in the banking industry - and proposed a new independent regulator.
The flawed process had been a "major error and a major problem, " he added.
"We've seen a decline in metal thefts, but hare coursing and trespassing on people's fields and crops is still a major problem, " he said.
If he is identifying them as a major part of the party's image problem, he is right, but he's not pointing a way out of their complex dilemma - the choice between being quislings to faithful Republicans or obstructionists in the mind of most Americans.
"I see people are clever and resourceful when they realized there is a major global problem, " he said.
"I've always worked very hard and never spent more than I have so money has never been a major problem for me, " he said.
He added that he chose his words "simply to indicate that there is a major problem for some schools and some GP practices in some limited parts of our country".
Mr Edwards hit the headlines when he said the fact rubbish had not been collected for four weeks was "not a major problem".
"This wave of violence is a major problem and we will have to work hard to reverse his situation, " he told the G1 news website.
It is a major problem, and while Andrew Flintoff will be expected to deliver the aggression, he simply cannot be relied upon to remain fit.
The problem for John Major, Britain's prime minister, was that the main thing he wanted from the Maastricht meeting was that it should not do too much.
He became a major figure on the club circuit and on TV with his stuttering performances as he pretended to have a sound problem, as well as for another long-running gag where he strutted and clucked like a chicken.
"The leg is fine - it wasn't a problem today, " he said, after fears he may have to miss the year's third major, the British Open at Royal Lytham and St.
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