One route to lowering banking industry costs needs to be more widely accepted. Offshoring jobs is arguably a progressive measure as well as a rational business reform.Bob Carr, the former foreign minister, wrote in his recently published diaries of the need to employ a developing underclass in nearby countries in the global industries at which Australia can excel.Finance workers for Australia might as well live, and draw local wages, anywhere. It makes sense.Suva, Manila, Dhaka - embrace them all.