When the taxpayer had to step in and bailout some of Britain's biggest high street banks back in 2008, MPs promised a day of reckoning would one day come. Three years after the crash, City grandee Sir John Vickers has handed in his 358-page blueprint for a new banking system.
Jill Treanor and Nils Pratley join Aditya Chakrabortty for a special edition of the Business podcast, picking apart the Vickers report and asking whether it goes far enough - or if it's fast enough.
As ever, have a listen. and post your feedback on the blog below.