But Ithink that in a period of changepeople - there is friction and you will get a higher level of people who are dissatisfied, but it doesn't change the basic drive of banks which is to identify what customers want and to deliver it.
The world is different when it's the people you know, and I do not think we will be able to resist the forces of change when our friends are dying on screen, in front of us, and we know that we could do something but have decided not to.