Shareholders in banks are having to adjust to changed times and not just because their stakes have plummeted in value.

HSBC convened a special 10am meeting at the Excel Centre in London's windblown Docklands this week to get permission to raise another £12.5bn of capital.

The first question from the floor wasn't, however ,seeking to inquire exactly what the money would be spent on or whether it would be the first in a line of cash-calls.

It was of far more significance: the concerned investor wanted to complain about the facilities.

"It is discourteous to share- holders to expect them to be here in this inconvenient location this early."

The way things are going they could be bringing their own coffee and biscuits next time they meet.

Strong arm of the law uncovers financial truth THE government has been scrupulous in avoiding any form of apology for the credit crunch and related banking crises or recession. That was until a friendly, and rather talkative, policeman approached City minister Paul Myners and his entourage as they prepared to face a grilling from MPs this week. "So what part of the banking crisis are you?" he asked. To which Myners replied wearily "we are all of it".

Talking turkey proves bootiful' for tech firm THE ropiest press release headline of the week came from technology company Avanquest. "Bernard Matthews talks turkey with Avanquest" it proclaimed after persuading the poultry firm to buy its new fax machines that also copy and print stuff. Bet management thought all their Christmases had come at once.