CONFIDENT THEY WONT BE TURNED DOWN. - AD INSTRUCTED PAUL TO THREATEN BANKS WITH OFT INVESTIGATION. THIS IS COUNTERPRODUCTIVE, NOT JUST BECAUSE IT DESTABILISES THE LLOYDS MERGER WHICH THE OFT ARE DYING TO UNPICK. BUT BECAUSE WE ARE ACTUALLY ASKING BANKS TO INCREASE THEIR MARKET SHARE BY LENDING MORE TO MAKE UP FOR SMALL AND