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It must be something about the autumn and winter that brings doom and gloom to the financial service...

It must be something about the autumn and winter that brings doom and gloom to the financial services industry. Last Christmas, we had the collapse of Farepak, the Christmas hamper business that went bust, including the savings of thousands of people who had their money in what they thought was a savings club. We obviously had the stock market crash of October 1987, and now it seems we have the slow demise of Northern Rock. By the time you read this, Britain's biggest self-publicist, Richard Branson, might have got his hands on it. It seems ironic that the white knight in this case co...