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Then there is the argument, put forward by David Llewellyn, professor of banking at Loughborough University, that allowing the mutuals to die out will mean a less diverse range of institutions offering savings and mortgages, leading to weaker competition and so to higher prices.
ECONOMIST: Building societies
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First, Ben Broster drove across the line then, after the break, David Lemi went over to put Wasps 15 points ahead.
BBC: Wasps 24-12 Exeter Chiefs
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First Biggar slotted a penalty after Ulster strayed offside and then, even with Nikki Walker sent to the bin for taking out the airborne David McIlwaine, Fussell was put away in the left corner after it was Ulster had messed up a line-out.
BBC: Magners League: Ulster 27-26 Ospreys