Azira

I second Bespoke Windows. They used to have a deal if you ordered in Jan-June too.

FOAD, I was quoting the blurb for the petition in the OP. I've heard that too Jeremy but it doesn't make much sense. One of the complaints I'd heard from staff before this conductor issue was that they were running the staffing timetables in reliance on overtime, meaning there was no slack. It's hard to believe Southern would be deliberately banning OT etc as it would be making a rod for their own back. This must be costing them a small fortune in delay compensation alone. If they are now working to rule, the Union members would be crippling the service. That does seem to make it unofficial industrial action.

https://petition.parliament.uk/petitions/116904 Govia Thameslink took over the franchise for Southern Rail in July 2015. Since then the services on most lines have deteriorated to the extent that they cannot be allowed to continue to run the franchise. During the last weeks prior to Christmas, services were simply not fit for purpose.

Interesting that you fault a previous poster for confident stating of the facts then say something like: "Also, it's only really in the USA that "national" banks might have a different meaning." You clearly are in a different practice area to mine.

messageRe: EDF Straw Poll on EU Referendum Posted by robbin Today, 01:39PM >With the greatest of respect, I think unless someone were choosing to be purposely obtuse it should be obvious what >I meant by 'national' banks as opposed to 'high street' banks. I'm afraid in my field, when we talk >about 'national' banks in this context, all the financial and regulatory lawyers around the table know what we are >talking about. I genuinely didn't. After I read your less than measured reply, I asked a few of my colleagues what they would think if someone was discussing national vs high street banks and, like me, they thought it was someone talking about national-based banks like RBS rather than central banks. I guess a lot of us financial reg lawyers are obtuse, huh - even those of us who don't use wikis to understand regulatory terms. As for my use of the word "dearie" - it was a response in kind to your completely unnecessary rudeness. If you were truly thick-skinned, you wouldn't feel the need to make further digs at me for my response to your self-acknowledged poor choice of words or chose to take my comments about condescension (which weren't actually aimed at you, but with the tone of your latest response now seem apt) so personally. And we have clearly established that BRRD doesn't apply to central banks, as I have acknowledged, so I'm not entirely sure what your point is. You made an assumption that I was arguing with you about the potential future economic consequences of sovereign default. A fairly cursory perusal of the thread would demonstrate I don't support either the Brexit or Remain assertions about economic consequences, and in fact would be pro-Brexit if it weren't for the immediate economic consequences.

Australia is not likely to find us appealing Robbin. Their principal industries are primary industries such as mining, so they are interested mainly in manufacturing countries like China and India. Belgium is lining themselves up to take over the car trade here, so with steel down the pan I can't see that we make enough to warrant buying commodities.

messageRe: Voting to remain new Posted by Burbage Today, 01:51PM titch juicy Wrote: ------------------------------------------------------- > What more evidence do the leave voters need to see > that there will be an almighty shock, a lasting > shock for our economy, should we vote to leave? This may be a poor time to raise this, but the economic argument is, for most people, broadly irrelevant I agree that many think like this now, but I'm fairly sure they will start finding it relevant if they can't retire because they value of their pension has plummeted, or they have lost their jobs.

Hi Doodlebug As you would have seen from my previous posts, I agree with Alan Medic that we don't really know either way what the long term impact is. We can say with some certainty what the short term economic impact of leaving will be though. If you would like to be bored to tears with a primer on EU financial regulation and why we can be so sure, feel free to PM me and I can give you some more detail. People in the area I work in - including those like me that are probably pro-leave at heart - are already investigating moving to Ireland or Frankfurt in the event of a Brexit vote because of their concerns that we'll face another massive recession.

I see your point Jules, but not sure the logic follows in this case. That might work if we were A and the choices were B or C. We have to be something in the interim between now and deciding definitively whether to leave, and traditionally we have remained with the status quo.

Why not have a go yourself? I removed stains around taps with just sandpaper and Osmo top oil. Never had a problem with marks again.

Honestly, what is it about this topic that seems to make people forget basic grounds of civility? In the past week, I've had perfectly reasonable and non-aggressive posts like my query to Robbin provoke unnecessary hostility, been told to go back to where I came from despite being a long term resident here with no ties to my country of birth (not by Robbin for the avoidance of doubt), had people treat me with utter condescension when I've pointed out facts within my professional expertise, I've had people online suggest that "people like me" should have sense literally beaten into me and had one utter cretin yesterday suggest that anyone working in financial services, including cleaners and other low-paid staff, deserve to be made redundant if a crash comes because its their fault for working in banks. I am not a frothy-mouthed proponent of leave or stay. I have tried to be respectful of everyone's opinions as I don't believe any one camp is 100% right. I've always loved this country as I felt you could have intelligent discussions about lots of issues without the predominance of rabid hostile behaviour I saw in the US. I always thought that the extreme behaviour was at the fringe. I am very sad to see I am wrong.

Possibly Louisa, but the short term impact may cripple us so far that any putative future sovereign collapse is the least of our problems. As I said, I suspect in different circumstances I'd be voting out (even though that would make my area of professional specialism less important) on the democractic deficit arguments, but I don't think this is the right way to do it and the cost may mean we cut off our nose to spite our faces.

Heh @ the comment about ignorance (particularly from someone who doesn't appear to know the basics of the EU insolvency and recovery regime). I think you mean "central banks" dearie. You are quite right that the BRRD affects credit institutions, but, as you'd used the incorrect terminology, it was unclear what you were talking about. And you also don't appear to understand how BRRD works. Bail-in converts lower ranking tiers of debt into equity, so hardly the person on the street. Before you start being rude about someone's alleged lack of knowledge on a topic, you may want to make sure you're using the correct terms. Edited because your completely unnecessary rudeness provoked me into an unworthy retort.

I have a feeling this is the puss that woke me up a few weeks ago. She was howling in the middle of the road at 2am and when I came downstairs she was very friendly and clearly wanted to come inside. I couldn't let her in so left food out, but she was gone by the morning.

Clare@linear also has posted with Guy's contact number. I wish I had checked more thoroughly before accepting this recommendation, which induced me to engage Guy. People will be unsurprised to know that I do not recommend Guy, and ended up having to take legal action against him. I was very disappointed by his conduct. I was contacted by other forum members who had similar experiences to me as well. Guy also posts on here as @themarketguy. I have not used his market buying services so can't comment on them.

What do you mean by "national banks" rather than high street banks? In any case, the Banking Resolution and Recovery Directive means that in the first instance there is a bail-in, rather than bail-out. robbin Wrote: ------------------------------------------------------- > It comes principally from national banks (for a > national bailout) not from high street banks and > if there is a default and a subsequent write-off > of monies loaned then there is a loss to the > national bank. All the WW2 loans were repaid by > us to the USA with interest - we didn't default > and they were not written off - you are comparing > apples and oranges.

The long term potential economic consquences of leaving or staying are debateable, theoretical and crystal ball gazing. You could construct a plausible argument for economnic depression for either side of the fence. The short term economic consequences are guaranteed. This is not a matter of debate, this is based on what is actually written into EU law at the moment and the shutdown of certain markets that would follow. Based on the previous experience of 2008, the consequences of this is reasonably certain to predict. I'm not saying people shouldn't vote out, I'm saying they need to be aware of the short term consequences of it. If you're prepared to risk it (and don't need to rely on any investment income in the next few years, such as pensions) then go for it. Just do it with your eyes open.

Interesting Jules. So you're acknowledging that we don't have any primary industries to speak of, and yet your advocating a move that will have a massive deleterious effect on the only real industry we have left - professional services/financial markets - at least for the short to medium term and possibly longer. If you think leaving this way is a good idea: 1/ you haven't read any EU financial services legislation, or at the very least any of the non-partisan information on the impact of Brexit on professional services. 2/ you don't understand how our economy is currently structured and are one of those delusional people who think that small businesses brings more money in or employes more people overall 3/ you don't think it matters that banks moving off-shore doesn't only impact the stereotypical rich banker type and that thousands of ordinary people directly and hundreds of thousands of people indirectly. In different circumstances, I'd probably vote out, but not this way with the price we'll have to pay.

It was a genuine mistake, not a wisecrack.

BTW, I'm very disappointed. I only realised as I typed your name that I have been misreading it as "UncleanGlen" for years.

How so uncleglen? Don't understand the logic.

Posted by peckham_ryu Today, 09:23PM I'm voting to: (a) scrap Trident, so that we can (b) fit a load of otherwise surplus submarine engines to Great Britain, so that we can © take the entire island on a cruise to somewhere more interesting. Possibly the Carribean. (Ireland probably needs to move out of the way.) #Brexodus You didn't put that option in the poll, so I've clicked on 'in' for the time being. That reminds me of one of my favourite Satirewire articles: http://www.satirewire.com/news/jan02/australia.shtml

Agree on Youtube. After being quoted an astonishing amount to build a couple of small retaining walls (yes, I'm looking at you Handy Pat), I looked it up on Youtube and did it myself for a fraction of the cost. I didn't even own a drill before I bought my house.

In. I understand why people want to leave - and frankly if circumstances were different I probably would vote out too - but there will be serious economic consequences in the short to medium term. The "bremain" campaign (equally loathesome term) has failed to coherently explain why it's going to be a problem, and I can't work out if it's because the pollies don't really understand EU financial regulation or if they are underestimating the intelligence of those thinking about voting out. It won't just be a matter of having to renegotiate trade treaties (which will be a practical issue anyway considering there is no longer any expertise left in the UK in this field, and we are likely to have to, ironically, import negotiating talent from Brussels). Several significant EU regulations enshrine a requirement for any third countries to have equivalent legislation, and even major economic powers like the US who have even more stringent financial regulation have had to wait years for equivalence decisions. Without those decisions, trades in certain markets - including one market worth several trillion globally - will be seriously stymied. On top of that, financial markets are notorious for being twitchy about uncertainty. The 2008 economic crisis wasn't caused by a real problem - it was market players freaking out because they didn't immediately understand where the risk of US mortgage defaults had hit so they stopped lending to each other and killed credit. If we had such disastrous results from something that would have been unearthed in time, what on earth do people think multiple years of uncertainty about market and legal structure will do? Yes, we probably shouldn't be so dependent on financial services. But we are, and it is not propoganda that this will have a massive adverse impact that is going to hit all of us hard. Edited to fix incoherence. Probably failed anyway...

Indeed. I'm aware of how modded boards work, but in any event I don't see what would be inappropriate to draw this to the attention of board participants in any case, or why its necessary to explain whether I've reported it. If someone else had done the same a little earlier, I know of at least one person who wouldn't be out of pocket from someone who has manipulated the board. He's clearly got form for this too as he's banned from other trader sites and has taken down a Facebook page when negative reviews appeared.