Financial Stability

I was going to say, in the nicest possible way, that my hon. Friend sounds like a new Conservative, but I am sure that he does not mean to. I do not agree with everything he says. On the availability of funds, if banks choose to use the recapitalisation fund rather than raise money on the markets, it will be in return for, usually, preference shares, and they will be remunerated in the usual way. As I said, other agreements will go with that.