Tangentially, in response to Fooman, I was part of a discussion with a very well-informed UK aviation official recently, who remarked that his recent conversations with Boeing and Airbus suggest that their engineers believe the march of aviation technology is nearing a wall, and that without changes to fundamental parameters (fuel sources etc) it may not be possible to eke out much more efficiency, speed, performance etc out of existing aircraft engines. I have no idea if this is true though ...
Sorry about that Tim, it’s a PDF, for best result Google the title, pdf link should appear.
About not needing banks, this came up on my after dinner reading list yesterday
Peer-to-peer lending via the internet hits £250m