"Are we screwed Mr Bradford? what with the irresponsible lending that has helped to inflate house prices so much that nobody can afford to buy one anymore?"

"And of course encouraging landlords to overextend themselves to take a profit from buying to let, so that ordinary people can't even get a foot on the ladder Mr Bingley?"

"And giving ourselves huge bonus payments every year Mr Bradford?"

"And fucking up royally when we couldn't borrow enough to stop the company from going under anymore Mr Bingley"

"Well no we aren't, but the tax payer is well fucked over as they are taking on all our totally irresponsible lending while those lucky chaps at Santander cop our depositers and a branch network they can happily asset strip, when prices recover, at a knock down price. Mr Bradford"

"Are they the same chaps who bought the demutualised Abbey and Alliance and Leicester Mr Bingley?"

"yes the Alliance and Leicester, that Margaret Thatcher forced the Post Office to sell Girobank to for a knock down rate with its savers getting sod all for, Mr Bradford, yes them and Abbey are now owned by a Spanish bank."

"So aside from the tax payer the only people to loose are the ones who bought the shares after speculators took a quick profit then Mr Bingley, like pension funds?"

"But depositers money is safe for now Mr Bradford"

"Yes so we can now withdraw our bonus payments from branches of the Abbey and Alliance and Leicester too Mr Bingley"

music in background

"It's bombed
It's bombed
Now my jobs gone"

"Who's that Mr Bradford?"

"Oh that's Howard from the Halifax on his way to the Black Horse Mr Bingley"