Wiley - no debentures for me, advice from the risk management accountant says 'wait and watch', that shares in Kamikaze bank could take a nose dive! However i do regularly meet friends for a coffee in the bar and fly on weekends
Clare prop - love the play on your name! no religious analogy to offer i'm afraid, and yes, consistency is the key - but i've heard as many good stories as I've read bad, perhaps it's just human nature to voice the negative more often than the positive?