RBS and Lloyds are both lower after comments by the head of the Independent Banking Commission over stricter capital rules and the possible separation of the retail and investment bank arms. The political problems in Ireland have also unsettled financials.Goldman Sachs has downgraded engineer Invensys from buy to neutral. Citigroup has upgraded Whitbread to a buy. BAE Systems continues to rise following last week's announcement that it is acquiring the 91.3% of Fairchild Imaging that it does not own for $86m. Fairchild supplies imaging components and cameras. FTSE 100 - Risers Whitbread (WTB) 1,753.00p +1.92%BAE Systems (BA.) 355.70p +1.74%British American Tobacco (BATS) 2,320.50p +1.66%AstraZeneca (AZN) 3,007.50p +1.48%Capital Shopping Centres Group (CSCG) 379.30p +1.44%RSA Insurance Group (RSA) 134.40p +1.36%Tesco (TSCO) 404.80p +1.20%Experian (EXPN) 770.00p +1.12%Diageo (DGE) 1,217.00p +1.08%GlaxoSmithKline (GSK) 1,167.00p +0.95%FTSE 100 - Fallers Royal Bank of Scotland Group (RBS) 43.46p -3.29%Invensys (ISYS) 324.80p -3.04%Lloyds Banking Group (LLOY) 65.43p -2.88%Weir Group (WEIR) 1,621.00p -1.94%Prudential (PRU) 652.50p -1.88%IMI (IMI) 876.00p -1.57%Antofagasta (ANTO) 1,389.00p -1.56%GKN (GKN) 209.20p -1.27%Carnival (CCL) 2,943.00p -1.24%Eurasian Natural Resources Corp. (ENRC) 1,017.00p -1.17%