There is no certainty today. For years we humble wage-earners were told that City bankers were sage repositories of special expertise who could be entrusted with that little that is left when the taxman and the bookies have finished with us. In reality, it turns out, they were greedy spivs who knew no more about the financial packages they dealt in to feed their bonuses than the betting shop loud mouth who claims infallible information about the winner of the forthcoming 2.30.

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