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Wheatley's review recommended that banks submitting rates to Libor must base them on actual inter-bank deposit market transactions and keep records of those transactions, that individual banks' Libor submissions be published after three months, and recommended criminal sanctions specifically for manipulation of benchmark interest rates.In particular, the Financial Services Act 2012 brings Libor under UK regulatory oversight and creates a criminal offence for knowingly or deliberately making false or misleading statements relating to benchmark-setting.Also, separation and divorce do not seem to be good alternatives to staying together.Surveys show that there is little or no net gain in people's happiness several years after separation.

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But at least one of the values seems to be accurate: the Americans for Divorce Reform estimates that "Probably, 40 or possibly even 50 percent of marriages will end in divorce if current trends continue." Conventional wisdom states that inter-faith marriages contain additional stressors that other marriages do not have.

Thus the former can be expected to have an even higher failure rate.