The banks' victims
• Christmas can be a time for reminiscing with family and friends. Thinking back over the past 30 years to the tough times and the good times, it is apparent that vast changes in our lifestyles and wellbeing have transformed our lives to the extent that explaining to those now in their 20s how life was when we were in our 20s was a bit of an eye opener for some.
International finance has recently become the most talked about and feared reality in our lives.
We are a small, open economy that has benefited from advances in technology, membership of the EU, the euro and the globalisation of production and the mobility of labour.