A note to the Banks - merely a query.

Dear Sirs,

In view of what seems to be happening internationally with banks at the

moment, I was wondering if you could advise me. If one of my cheques is

returned marked 'insufficient funds,' how will I know whether that refers

to me or to you .
Just seeking clarification.
Curmudgeon.

Mind you, if we were to believe that National could provide responsible economic management we might be writing more such letters especially considering Mr. Key's past record of speculation on the New Zealand dollar (even if it was during the days of Roger Douglas 1987-88 ). After all a gambler never loses the habit!!