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HSBC is in the news for helping wealthy clients evade paying millions of pounds in tax. They've helped people hide cash in offshore accounts. That's not illegal, but deliberately hiding money to evade tax is and its costing millions.

Have you ever done that - even on a very modest scale? Do you feel bad about paying your plumber or electrician cash in hand? Or maybe you pocket the odd fifty quid and don't tell the tax man. If you could find a way to pay less tax legally, would you take it? Is it always morally wrong to dodge tax?

Email us now - youandyours@bbc.co.uk
Or telephone Tuesday after 1100, 03700 100 444.