Me - Sorry about the picture but you are who you are!

LTSB's takeover of HBOS creates another Banking giant albeit under different circumstances than usual. So what does these creations of larger entities do for the vendor market? Clearly less clients as one would normally follow under the procurement policy of the other and their preferred partners. Do these mergers ultimately lead to vendor mergers/takeovers?

I always think in Collections trying to get funding is like a double edge sword. When you need the funding say for systems/consulting/resource etc during the bad times,i.e. now, the response is often "things are tight". In the better times when you want to invest in debt prevention and be in a "ready state" the response is often "things are fine, we don't need to spend". How have you overcome this in the past or now!