I am writing this as I sit on the new Qantas A380 heading for UK. It’s over a year since I was back in UK. The last time I arrived I turned on the radio in my hire car to hear the news that Lehman Brothers had collapsed. The subsequent four hour drive to my home in Yorkshire left me concerned for the first time in my life that the banks might just fall over and something which had always felt guaranteed was actually at risk. So what will I find this time?