Hybrids - The alchemists

Six months after it began, the ramifications of the credit crisis still loom large in the financial press. Each day brings further revelations of billions of dollars worth of writedowns and losses by major banks. For some participants, holding on to not just their clients but their jobs depends on finding ways to minimise those sums. However, some of the industry's best innovations can arise when banking minds are put under stress - and it would be difficult to imagine a more stressful

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