Sir John Vickers has made his much anticipated interim report on the future of banking. But some analysts instantly accused him of "bottling it" on major reforms.
Our banking expert Jill Treanor says that while the proposals go some way to separating retail banking from its riskier investment arm, the report will be a relief to the major financial institutions in the City.
With this in mind, we've rounded up a studio full of experts to get their ideas on what should be included in the final report in September.
Robert Cole is the assistant editor of Reuters Breakingviews, Tony Greenham is head of finance at the New Economics Foundation, Jesse Norman is a Conservative MP and member of the Treasury Select Committee and Heather Stewart is economics editor of the Observer.
Also this week as the world's biggest commodities trader Glencore prepares its initial public offering, Goldman Sachs analysts warn its investors to think twice about buying commodities.
And finally, is it really possible to make money on the markets as a novice? You have a chance if you follow some basic rules of thumb, says Robert Cole. His new book The Unwritten Laws of Finance & Investment lays out some of them, but the most important one is the simplest: avoid losing money.
