Thanks ozz, interesting views on RBS. My thinking was that 1) political meddling with bankers' bonuses (regardless of whether they're morally deserved or not) won't help the business retain the top talent it needs; 2) risk of UKFI Ltd taking a more hands-on approach to running the business (a bit like the bonus fiasco, but possibly encompassing things like being forced to lend more to businesses); 3) selling off the investment banking side of things, although cutting down costs and risk, might severely limit future profits; 4) Virgin Bank, when it gets going, stealing high street customers away (probably a small risk, but hardly helpful to RBS); 5) possibility of a double-dip recession (although the UK has seemed to teeter on the edge and pull away, for now).