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paul volcker on banking standar standards. this is just getting under way. i think it s generally agreed you re one of the clearest thinkers of this field. you re probably one of the most experienced practitioners that we take evidence from. can i begin by asking you about one aspect of the very interesting piece that you provided to us. this is a three-page sheet. in section d item three reads and i ll read it out, based on the american experiment the conditicob september can maintain toe tool independence is difficult to excomplain. is that a gentlemanly code? to go full separation? it won t work. if you really want to separate some operations clearly and decisively, you don t put two folks in the same organization and say they don t talk to each other. we ve never had anything so quite so comprehensive but have had different subsidiaries of the banking organization with prohibitions with the bank. we tend to break down. because of pressures from the

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