So the negotiations with the EU are done, and Lloyds has to sell 600 branches. So do you fancy running a bank? Several brands are looking at the market - how about "Virgin Finance" on your doorstep. Would they bring music and travel sales to a bank? Or "Tesco Bank" in your town - loo roll with your loan? Whatever happens, the face of consumer finance could change radically in one short step.
But will the reality be any different - if a new bank emerges will it avoid previous excessive charging, or selling loans beyond what people can afford? The optimist in me hopes they will. Somehow, on this one, I think the banking glass is half empty.