BOLSHY OLD S**

There has been some discussion on my scrabble group as to what to name the new Lloyds + HBOS bank. I came up with the above gem.

It did spur me on to check whether I needed to rearrange my accounts yet again. With only 35000 'secure' under any single parent organisation we need to keep on top of our finances. Mergers and takeovers also make it harder and harder to find suitable accounts. Luckily I think I am okay this time, only having money in one of the affected 'brands'.

Still, some good may come of all this. I suspect this could be the end of Halifax's Howard on our TVs...