Central bankers aren't often young, good-looking and charming, but Mark Carney is all three not to mention wicked smart. As the head of the Bank of Canada, Carney, 45, had the good fortune of presiding over a banking system that didn't need a single bailout. Now that the world's richest nations are working to coordinate new financial rules, Carney is clamoring to stay focused on the causes of the crisis like banks not holding enough capital and Western consumers spending too much instead of getting distracted by populist zeal. The exGoldman Sachs banker, who isn't afraid to crack a joke or roll his eyes, has also been warning Canadians not to take on too much personal debt, since levels in the country have been rising the sort of straight talk one rarely hears from a person whose job it is to juice the economy.