For a real solution to the problems that banks cause society, a more fundamental solution is needed.

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And I call that fundamental solution the deposit-only bank (DOB).

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All of which is a long-winded way of explaining why the borrowing costs of the government perceived to be most financially over-stretched, Spain, have soared today to record levels - in that the dispute over whether to go for a banking union shows that the eurozone is as far as ever it was from a fundamental solution to its woes.

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We all understand the fundamental elements of the solution.

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Instead, the solution has to be fundamental change, not people doing bits and pieces at the margin.

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This points out a fundamental fact that is key when considering the solution to our current woes: in modern, developed capitalist economies, recessions are not a function of the nation being unable to supply the goods and services desired by consumers.

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The fundamental problem is slow economic growth, and the only solution is to increase the growth rate.

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There are many changes that we must make to address these challenges, but the ultimate solution(s) will only come from fundamental innovations in science and technology.

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"This is by no means an adequate long-term solution, as resolving our long-term fiscal crisis will require fundamental entitlement reform, " the letter said.

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The solution, Neely said, is to dig deeper and build a more fundamental ethical culture.

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