rail transport

UK Social Comment1

Education opens a door to awareness. Awareness opens a Universe to discovery.


Bank bonuses – less a reward for the past. More an incentive to generate value in the future.

In the time spent bank bonus-bashing, banks silently generate huge value for the UK economy.

Scandals in the banking industry, Parliament, or the Met Police, are like storms lashing the coastline. Learn from the experience. Take effective steps to avoid future damage, but most importantly, appreciate the strength of the underlying landscape.

If we spend time bashing the wealth creators, instead of upskilling, we’ll get the economic wasteland we deserve.

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Every person who rips off the system, takes taxpayers money that could have gone into investing in a better future for us all. And especially our kids.

Healthy living is a series of choices. Unhealthy dying is a consequence of not making the right choices.

People complain that immigration puts pressure on public services. And then choose to swamp the NHS system (A&E) instead of visiting their GP for treatment!

Taking drugs combines the worst of the Black Death with the worst of the Slave Trade.

Being proud to be English doesn’t mean celebrating understatement. There’s nothing understated about Newton or Shakespeare, the global prevalence of the English language, or the Westminster system of government.



London Banks and Rail Companies

‘Leaves on the track’, a special rail language that most commuters can’t understand. And encouraging the astute to run into the arms of alternative transport providers.

Train companies who want to dodge a bullet, have to be faster than a speeding bullet train in their planning.

Train Companies – training for gold?

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In banking, the 3-6-3 rule used to mean; offer at 3%, lend out at 6% and be on the golf course by 3pm. Now it means; offer 3 benefits to depositors (a competitive deposit rate, personal service and safe custody of their money), give 6 benefits to borrowers (a competitive lending rate, personal service, extensive product array, global reach, minimal red tape and minimal cross-subsidisation of risk) and offer 3 reassurances on the net reserves held.

Goodwill banks are the best banks of all, since the less  (goodwill) you give, the more risk you take.

For banks and rail companies, these days, market share is the displacement of water by a boat, on an ocean of uncertain size.

A brand that isn’t about innovation is one brand too many in the World.