Evan Davis

It is no wonder that bank capital is regulated. When borrowing and lending is profitable, it is tempting for banks to scale up their operations and to borrow and lend too much in relation to their capital, in effect reducing the effectiveness of the potential capital cushion.

Now I can broadcast to an audience of several million people on the 'Today' programme. I can talk about the day's news. But on radio, believe it or not, we have notes and scripts. And while we might ad lib the odd wryly amusing asides, they come at the frequency of a suburban bus. About one every 90 minutes.

When I have a creative insight, there is a high. I think back in the day, I made music as much as I did because it made me feel so good. I think you could argue that there is a creative addiction - but, you know, the healthy kind.

What a piece of garbage this smart car is. There's a commercial - the smart car has zero percent interest for six years. Well, good, I got zero percent in six years in buying this smart car. I'll tell you that much. I mean, it's ridiculous. My buddy has a smart car, totaled it. He hit a deer tick.