Re. point 5 - I worked at a major UK bank for a while and won't bank with them because of what I saw, but I know that in all probability the only difference bet

Re. point 5 - I worked at a major UK bank for a while and won't bank with them because of what I saw, but I know that in all probability the only difference between them and the people I do bank with is that I've not actually seen how things are at my bank. That said, we scored somewhat better on the Joel test than Rob's employees - not perfect but we had source control, testers and a bug database.