--Bernardo Batiz-Lazo, FRHistSAthro Hanes Busnes ac Rheolaeth Bancio /Professor of Business History and Bank ManagementYsgol Busnes Bangor Business SchoolPrifysgol Bangor UniversityGwynedd LL57 2DG (Cymru / Wales)b.batiz-lazo [at] bangor.ac.uk Twitter @BatizLazoffon / phone : +44 (0) 1248 388349Home page:Working papers:Blog: