Many of the articles in this section were written by Raphie De Santos. In these articles, Raphie predicts the fall of HBOS - and warns about other banks.
Raphie was head of Equity Derivatives Research and Strategy at Goldman Sachs International. He was an advisor on derivatives and financial markets to the Bank of England, London Stock Exchange, London International Financial Futures and Options Exchange and the Italian Ministry of Finance.
Raphie has been a guest lecturer on derivatives and financial markets at Harvard and New York universities and the London School of Economics and has spoken at the annual Nobel Foundation conference in Stockholm.
Click on image below to go to the SSP analysis of the current crisis.