SIR Fred Goodwin was understood to have lost his mind last night after deciding to give up half his pension and leave his luxury villa in the South of France.
As the former Royal Bank of Scotland chief executive made the offer to smooth his return to the UK, people across the country said if it was them they would be learning French and browsing through yacht catalogues while an attractive man or woman licked paté off their private area.
Wayne Hayes, from Hatfield, said: "He's giving up the pension so that he can leave the French Riviera and come back to Scotland? I'm sorry, I must have misheard you, can you say it again more slowly?"
Margaret Gerving from Guildford, added: "Surrender half the pension you are legally entitled to so you can come back to some shithole of a country where it rains all the time and everyone thinks you're Satan… I'm beginning to understand why RBS went down the tubes. He's a psychopath."
She added: "Is he really that worried about people in Britain hating him? They hate whoever happens to be on the front page of their idiot newspaper. Half of them hate Susan Boyle and they don't even know why."
Analysts are divided over whether Sir Fred should have kept his pension and stayed in Cannes, or whether he should have kept his pension, stayed in Cannes, added a huge extension to his house, filled it with vintage Ferraris and written 'Fuck You Britain' on the roof in giant letters.
Tom Logan, from Porter, Pinkney and Turner, said: "If the criteria for giving back half your pension is being shit at your job, then can we have back half the pensions of all those teachers whose schools have been churning out thumbless fuckwits for the last 20 years?
"The long term cost of that is going to make the bank bail-out look like a smaller amount of money because it will be."
And Emma Bradford, from Madeley-Finnegan, added "There are two key reasons why Sir Fred should not give back his pension. One, it was all Gordon Brown's fault, and two, it was all Gordon Brown's fault."