I never dreamt, until I heard the speech of the hon. Gentleman who moved this Amendment, that in the difference between 2d. and ld. on cheques we had the solution of all our economic financial and trade difficulties, and that the reduction which is proposed in this Amendment from 2d. to 1d. was going to increase bank deposits, going to increase the lending power of the banks, and going to rectify the exchange between this country and the United States of America.