Britain is in a bad way. We were in a bad way before the recession hit. We'll still be in bad way when it's all over. But decline is not inevitable. Job #1: Separate everyday, simple, secure "utility banking" from investment fund "casino banking". Add a vital Third Element, Industrial Development Banking, to create jobs now, and set Britain's industry on a secure, longterm, productive basis. Job #2: Identify Core Cities with their economically dependent regions. Harness the power of Regional Development Banking to spread economic development, enhance infrastructure including public transport, and to finance Regional Housing Corporations to provide affordable, quality starter housing and to "anchor" house prices. Job #3: Reforming Government: Transparency, Productivity, Accountability. Separate Education, Healthcare and Pensions, maximizing service quality at minimum cost. Submit all departments of government to immediate scrutiny and analysis by independent accountants, identify programmes and grants for elimination, identify all possible cost savings in what remains. Financial Reform for Stability and Growth Click to download in pdf. 18pp

The Eurozone Crisis: Why does Germany call the shots? The answer lies in banking for industry, and teamwork. Any country can do it. The Future of the Euro Listen to a radio interview with David Marsh, 7 Nov 2011. Britain and Europe - Liberty and Regulation The British view of Law is based on a Presumption of Liberty - we are all free to do whatever we like unless the law has good reason to say otherwise. The continental European basis of law is a Presumption of Regulation - do's and don't's are spelled out in detail. We should be clear as to the difference.

Unlocking City Growth The Core Cities Report Thames HUB - an integrated vision for Britain Fast Forward Britain's High Speed Rail proposal. Food for thought: How much Government Right, Left, and Centre, Liberty and Law No Government, President or Monarch, no institution of Law or Enforcement, should be created or be allowed to exist and to function, no one should have power over others, unless and until that power and the conditions of its use have been fully, clearly and strictly defined. Governing Government