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On a cool late-autumn morning, a few color-saturated leaves remain alongside bare branches.

在一个阴凉的晚秋早晨，一些色彩饱和树叶仍然留在光秃秃树枝的旁边。

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A few years ago I bought those golden branches and I love them all year but especially in the fall.

几年前，我买了这些金色的枝条，它们一直是我很喜欢的东西，尤其是在秋天。

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What we now have a most unusual situation - a bank in Scotland with profits in freefall despite previous attempts at gutting expenses, comparatively few branches and soon to become fewer, effectively little more than an financial call centre with a few cheque cashing shops and a couple of trendy business centres.

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Not only did the bank make a lot of risky home loans to people who couldn't document their income and now can't pay, but Indymac also had a fairly fickle base of depositors, since it offered few branches or other services to build loyalty.

NPR: IndyMac Collapse Prompts Warning On Other Banks

RBS, as expected, will have to sell more than 300 branches in England and Wales and a few more NatWest branded branches in Scotland.

BBC: Sell-off move leaves banks in flux