Those bankers may not be bad people but that reverse-Robin-Hood incentive system makes them do bad things.

FORBES: $5 Debit Card Fee Got You Mad? Time For Deposit-Only Banks

The present system, says Robin Dickie, the managing director of the firm's retail business, is inefficient.

ECONOMIST: Battle of the newsagents

The Head of the Prison Service, Robin Masefield, said that they had rolled out a new system for supporting prisoners within the last month and had established prisoner forums.

BBC: Report hits out at vulnerable prisoners' regime