This works out how likely it is that particular things such as behavioural traits co-occur.

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You'll have the psychological dementia that only occur in co-op and really bring details out.

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The communication difficulties between the UK Treasury, the FSA and the Bank of England during the Northern Rock crisis in 2007 illustrated some of the problems that can occur when there is incomplete co-ordination between the lender of last resort and the bank supervisor.

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They can be liable for the crimes of their co-conspirators if prosecutors can prove they knew something illegal was likely to occur.

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"We have co-operated with the FSA throughout their investigation and we are confident that this would not occur again if similar circumstances were to arise, " she added.

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