Two of the local banks have now posted huge profits in the past couple of weeks, while laying off staff, tightening the loan requirements and introducing bank charges.

I wish someone would actually own up to customers that the banks are in trouble. It doesn't matter if they've made billions in profits if the money is pumped in one week, and paid out in dividends the next. What people need to know is the cash reserves of the banks versus the liabilities.

It would also be nice to know whether the banks are exposed to the toxic triple-As from Lehman's and Morgan Stanley.

Are the debts getting bigger, and is there a cap on how large the liabilities will grow?