o.uk/publications/Documents/quarterl=bulletin/2014/qb14q101.pdf I put a lot =f my wider thoughts down in this 2009 paper, The Road To Long =inance: The Road To Long Finance: A =ystems View Of The Credit Scrunch Michael Mainelli and Bob =iffords 2009 Centre for the Study of Financial Innovation, ISBN: =78-0-9561904-4-4,