The governor is back. Mark Carney has reappeared at the Bank of England Open Forum to wind up proceedings.
Mr Carney says it's clear the level of trust in financial market institutions and mechanisms is low. There is a "disconnect" between how public see the sector and how people work in the industry see it.
Although banks have made a lot of progress in improving their systems, trust is low because of misconduct and perceived lack of adequate client focus, he says.
For Mr Carney, that means banks have to focus on individual accountability for bank staff.