Dormant Bank and Building Society Accounts Bill [HL]

I speak as a simple searcher after truth. Let us suppose that, in 2009, £300 million is sent by the various banks to the reclaim fund and the reclaim fund decides, ““Well, we had better be careful about this; we will let £200 million go””. Let us say that 15 per cent of that has to go to Scotland, Wales and Northern Ireland. That leaves £170 million. The Minister says that we had better crack on with this young people stuff, the deprivation of financial knowledge and so on. If the social investment bank needs £250 million, how does he believe that that could possibly happen in those circumstances—unless he takes the view, as I did much earlier, that, like the Irish, the banks and building societies got it all wrong? Is that what he is tugging to?