Dr John Lipczynski is retired from the University sector. He contributes to the teaching and development of Executive MBA programmes in the private sector. Professor John O.S. Wilson is Professor of Banking & Finance and Director of Research in the Management School at the University of St Andrews. He is Director for the Centre for Responsible Banking & Finance. His research interests include industrial organisation and banking. Professor John Goddard is Professor of Financial Economics and Deputy Head of Bangor Business School at Bangor University. His research interests include industrial organisation, banking and the economics of professional football.