Post-crisis, there is a deluge of ideas and suggestions on reforming banks, banking and bankers. Analysts with a historical perspective believe that the seeds of the 2008 crisis were sown when the separation of banking from securities dealing was undone.
From here until 2030, without the contribution of immigration, the population aged between 20 and 64 is expected to fall by 3.5 million, and by a further 7 million in the subsequent fifteen years. Today, for every 100 people in this age group, 38 are at least 65 years old; in twenty-five years’ time, this share will have risen to 76.