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Prof. Roy Smith explains why a change in banks' strategies would be a Christmas gift for Mark Carney

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Excerpt from Financial News -- "So, even though the banks will remain in the woods for a while longer, things are getting better. They will get better still if those banks, which have already taken action to turn things around, inspire the rest to do the same. If they do, Carney, and the rest of the bank regulators of the world, can look forward to a happy new year."

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