They reply that Labour had 13 years in government to regulate the banks and failed.
In defence, Mr Cork can reply that, when standing up for innovation and adventure, inclusiveness is best.
Others reply that Southie's deals rob other parts of the city that need assistance just as much.
When quizzed about such obstacles, Mr Fagan and his clients reply that public opinion will sway the courts again.
Visa and MasterCard reply that they can charge steeper fees because they bring stores large amounts of new business.
To this, the most resolute pessimists reply that neither a cheap yen nor anything else will spur the Japanese economy.
Defenders of government social services might reply that the possibility of such abuses is the price of maintaining a civil society.
His question brought the innovative reply that, that was why he wasn't going to do it until after the next election.
Advocates of corporate social responsibility reply that they have no choice but to respond to society's more demanding expectations of them.
Meanwhile, ask spokesmen for the militants about hudna, and they reply that for now they are offering only tahde'a (calm) .
NGOs reply that their accounts are audited, and sometimes not just in Bangladesh but also, to satisfy donors, by auditors abroad.
Coalition officers reply that they have stopped many previous but unpublicised plots.
The reply that came back was an bigger surprise than his losing streak: they were virtual headhunters hired by his very own father.
Defenders of the oath reply that the goal of maximising shareholder value has become a justification for short-termism and, in particular, rapid personal enrichment.
Left-leaning economists reply that public-sector workers are, on average, better educated.
Local businessmen reply that higher labour costs will mean fewer jobs.
Many conservatives will doubtless reply that education's debasement threatens our capitalistic, small government way of life thanks to all the "liberal" teachers, but history proves otherwise.
Few of the problems would be selected for mention in print, but each correspondent would get a reply that was designed not to make things worse.
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Yet if I answer such an email - and I do try to respond to them all - the reply that follows will be couched in very different terms.
The shrimpers reply that better marketing alone won't keep them in business, and that a big advertising blitz would eat up money few of them have.
Some would doubtless reply that as the federal government is now the owner of the vast majority of mortgages, that there are no individual victims of borrower dishonesty.
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That is not a reply that would have earned Prof.
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But in speeches and talks to wide-eyed Asian listeners, I reply that I am hot for "application companies, " those that create a corporate use from some ingenious software someone else invented.
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The officials reply that Rome was not built in a day, and they cannot be expected to clean up Houston overnight: after all, it took 30 years to get that way.
He is likely to reply that he was given legal advice that he had first to consider News Corp's offer to spin off Sky News so as to deal with so-called plurality issues.
To those, like the Labour leader Ed Miliband, who argue that it will damage the British economy by raising doubts about Britain's future in Europe, David Cameron will reply that that uncertainty already exists.
Labour reply that it is what they call his "failed policies" and not the eurozone crisis which have pushed Britain into recession and made the road to dealing with our debts longer and harder.
Southerners reply that social pressure is more effective than political pressure at influencing unethical behaviour, and that politicians ought to restrict themselves to law-making, where they will have more impact than they ever could as individual consumers.
Faced with critics who argued he should concentrate on the classic development issues that keep people poor and sick rather than doling out high-tech gear, Mr Negroponte would rightly reply that education through computers can help resolve all such problems.
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