Morgan Kelly's Opinion piece in today's IT would make your hair stand on end. I was probably most frightened by the possibility he raised of employees looting a bank's assets by bringing personal guarantees home in their briefcases and negotiating their return to the borrowers, who presumably would be prepared to pay quite a few shekels to be rid of those nasty PG's. Can any of our banking contributors allay my fears by assuring me that this form of bank robbery is impossible?