If I was in charge of things...

...Fred Goodwin could keep his bloody bonus - but only on the following condition. He spends eight hours a day, five days a week, saying sorry, in person, or via a handwritten letter which he has to go and hand-deliver himself, personally, to every single person badly affected by his utterly disastrous trashing of RBS, until he is allowed to retire at 75. He can have 20 days off a year, plus bank holidays, and 40 minutes for lunch every day. Then he might learn what 'sorry' means.