The Spectator

Scandal at the Co-op Sir: Martin Vander Weyer makes a good point. The Revd Paul Flowers may be a flawed individual, but he is not responsible for Co-op Bank’s woes (Any Other Business, 23 November). His appointment might be symptomatic of a complacency about ‘good’ and ‘bad’ banking that suited certain politicians, but surely now we need a full inquiry into the Lloyds takeover of HBOS and the Co-op takeover of Britannia. I would also like to see the terms compared to the Santander acquisition of Bradford & Bingley. The true scandal is the collusion of politicians, regulators and senior bankers. In the meantime, I hope Paul Flowers gets the help he needs.

Third-class thinking A report by the Institute of Economic Affairs recommended standing-room-only third-class carriages as an alternative to longer trains and platforms. What was third-class rail travel originally like? — Until the 1844 Railway Act third-class travel generally meant an open carriage with holes drilled in the floor to let the rainwater out. The Act demanded that all carriages conveying humans be covered. Seats were usually provided. — In 1872 the Midland Railway became to first company to abolish second class, by removing leather seat backs from second-class carriages and adding leather upholstery to the seats of third-class carriages. Of human bondage Three women were found apparently living in slavery in south London.