world. ~ ., , , the most competitive hubs in the world. ~ ., , ., world. we ve learned the lessons of that crash and world. we ve learned the lessons of that crash and put world. we ve learned the lessons of that crash and put in world. we ve learned the lessons of that crash and put in place - that crash and put in place guardrails but the banks have become much healthier financially since 2008 so that financial issues can be resolved which we didn t have before but on that basis, we also want to make sure they compete with other financial centres, whether it s the united states or asia and scotland is in a fantastic place to do that which is why these reforms will make a big difference. we which is why these reforms will make a big difference. a big difference. we can talk more about this now a big difference. we can talk more about this now with a big difference. we can talk more about this now with doctor - a big difference. we can talk more| about this now with doct