Tailscrape
You reckon you are just 'a feisty terrier'? I've got to say that looking at your various posts to date, you are none other than a very vindictive, over-vocal, nasty and spiteful individual.
You have too much to say on every topic, regardless of any 'sensitivity' that is deserved and seem to relish in anyone else's agony or misfortune. It also seems very obvious who you work for and the self interest that oozes out of your verbal diatrabe (diarrhoe, might be more appropriate) is plain to see.
What the F&&^*k would you know what the banks want?
I'm certain that your 'standing and experience' in this business does not give you the authority for your views to be take seriously.
'Wind it in' sunshine
Happy Christmas, btw.