The problem here lies with the agency in charge of supplying the staff in the first place - personality fit and a nice cup of tea should be top of the list.

Moody’s, a ratings agency, has estimated banks’ total loan charge-offs between 2008 and 2011 at $744 billion, of which $476 billion has already been recognised in their accounts.

In 2008, Canada's transport agency ruled that domestic airlines could only charge obese passengers for one seat, even if they took up two.