Anyone who watched the BBC2 documentary series Inside the Commons would agree that it is not only the crumbling building which needs repair. A democracy that depends on its representatives mastering a 45 chapter tome on procedure first written in 1844, is hardly fitted to the digital age. But there is a parliament much closer to home that Ms Sturgeon ought to consider as a candidate for reform.
Restoring trust in bankers? Start by breaking up RBS
Shortly after my book on the collapse of HBOS came out I was speaking to a meeting of savings and post bank executives from Europe and further afield. These are institutions which have largely disappeared from the UK (the Airdrie Savings Bank being a rare surviving example), but abroad they thrive, servicing local businesses and individuals and providing safe places to deposit your money.