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Banking (Asset Protection Scheme)

First, I will happily pass on the hon. Gentleman's name to the new chief executive of the bank and see whether he can re-employ him. Secondly, and rather more seriously—[Interruption.] I am glad that the right hon. Member for West Derbyshire (Mr. McLoughlin) is thinking of the health of RBS. In relation to the hon. Gentleman's general point, the Government have to intervene and make it possible for there to be more lending precisely because if, left to their own devices, banks stop lending to individuals and businesses, that would simply make the present difficult situation far more difficult. That is why my argument is that doing nothing not only does not work, but is damaging to our future prospects.