Angela I would dream of calling you dour, it's just that every time I see or hear Gordon Brown I just switch off although I know that I should be listening especially at the moment.

I am not altogether convinced that the problem is purely down to a few failing banks and their mismanagement although I well appreciate the domino theory. My gut reaction is that there is some thing much bigger going on of which no doubt we will never know.

If the out come of this is much tighter global fiscal control and regulation then I for one will be happy to see that in place.