It is a simple technique that he also recommends to others to improve their return on savings without excessive risk.

How can you get the most from your investments without taking excessive risk?

This allowed them to take on excessive risks that threatened the stability of the financial system more broadly.

"There is no way that does not involve excessive risk."

Singer is determined to return the money, despite excessive risks, with surprising allies.

Research suggests women are more likely to avoid the excessive risks that helped to produce the current financial mess.

"Too much good news would create the risk of people taking excessive risks and thereby creating problems down the road," he said.

People want the potential that the broader market offers - if they can get it without excessive risk and at a reasonable cost.

People take excessive risks and ignore risk managers during these periods.

So what can be done to ensure that the general public does not have to pay for the excessive risks taken by private banks?