Banking: Financial Stability

My Lords, as a humble Cross-Bencher, may I say that the action the Government are taking is doubly welcome, not only in support of the economy but in support of a banking industry which has made a massive contribution to our well-being over the years? I have two points for the Minister. The first relates to the interests of the taxpayer and follows a point made by the noble Lord, Lord Barnett, I remember that in my youth there were things called participating preference shares. Those who took a risk not only had the first shot at what money there was, but also a share in success. Secondly, in so far as we are particularly concerned about Britain, to what extent did the issue arise in the discussions the Government have had with overseas interests and our own banks about the extent to which much of this money could just flow overseas and thus benefit overseas banks and economies rather than the UK economy?