Another flippant thought for you, this time about the credit crunch.

We've all heard how all the city bankers made their dosh on sub-prime mortgages, got their bonuses, and scarpered before the music stopped.

Would it not be possible to restructure bankers' bonuses so that they also get paid in the form of complex derivatives? If they work, they coin it in; if not, they face a huge bill.

Seems fair, doesn't it?