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Whilst not complaining about the outcome, I have a lot of sympathy for Mr Langford. Most practicing solicitors would not be aware that until the 1970's the older firms, like HK, had been acting as bankers for their private clients for over 200 years, in the later days mostly for trusts and court of protection clients but even then, as an articled clerk in the 1960's working through the accounts department in my family firm, I was paying bills for private clients out of rents and mortgage interest we had collected for them. We only learned of the change by chance in the late 70's as there was no CPD in those days, and I still have no idea of exactly when, why or by whom, the change was introduced.