Which takes us to the second part of the assessment being make by Lloyds' directors.
The result does seem to be a better allocation of resources than people would make by themselves.
Choices like these make us wonder just how much money the airlines make by offering in-flight movies.
The first Toy Story was the cheapest to make by quite a bit.
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Ultra-low interest rates also squeeze the profits that banks can usually make by paying below-market returns to retail depositors.
And what a sacrifice Clark must continually make by being Superman.
Some people may value the enhanced reputation and network effects of freely revealing their work more than any money they could make by patenting it.
We have to make peace by talking to our enemies that we don't like talking to - you do not make peace by talking to your friends.
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Whether it was the remarkable progress that India was able to make by harnessing an expatriate community, that the sense of connection to the homeland that was second to none.
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"We really want to get the attention of international agencies, charities and national governments to show them what a difference we can make by doing something very simple, " she added.
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"I learned how to calculate the cost-to-market of Petplan's policies and how to calculate the profits that Petplan or any insurance company could make by selling their product, " he said.
Which means that, as long as there are competing capitalists, greedy for the profit that they can make by employing this newly more productive labour, then wages will get bid up.
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Beliefs are the conclusions we make by living life.
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Asked his advice on how New York should use the site on which the World Trade Center's twin towers stood, Humphries said that is a decision that New Yorkers should make by themselves.
With it comes an interesting decision for chief executive officers to make by 2014: Should your company keep its current health care plan, or opt out and allow employees to enter into consumer-directed health care exchanges?
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But it is, again, a false promise to make by any politician that they have a 3-point plan -- that a 3-point plan exists that can guarantee a certain price for unleaded gasoline at your local Exxon or Sunoco or Chevron station.
If other firms expect to be more efficient at exploiting your innovation, and so will pay more to use it than the innovative firm could make by keeping it to itself, it makes economic sense to license it to them.
Emotional investors, by contrast, make decisions by impulse and hype fueled by irrational exuberance and irrational pessimism, rather than reason.
Unique presets allow it to "learn" when you're in or out and make changes by itself to make you more comfortable.
Amazon has for years found ways to make money by referring people to other online retailers, essentially pricing such referrals at a level that make it agnostic as to whether it sells you the product or lets a partner do it.
General elections are due by early next year, with the Pakistan People's Party-led government aiming to make history by becoming Pakistan's first civilian government to see out a full five-year term.
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The touch screen has only a few icons, which you make visible by swiping upward.
Zubka, another fledgling job site, allows people to make money by referring their friends for jobs.
"Their job is to make money by cultivating a base of customers, " said Forrester's McQuivey.
They make money by signing up distributors who pay for the rights to carry the content.
No one owns them and the people living closest to them make money by killing them.
Long-term IPO investors can still make money by investing in profitable companies at the right price.
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The biggest change we can make it by providing leadership for others to follow.
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The company hopes one day to make money by offering users optional fee-based services from others.
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