Is my right hon. Friend not aware that my hon. Friend the Member for Chislehurst (Mr. Macdonald) pointed out that there is very little competition between these banks and other banks, and that a change in the arrangements might have led to an increase in competition? Will he press further the question of disclosure? The privileged position of the banks about disclosure is something which we cannot accept for much longer. Will he also say what outline he has given to the banks as to the kind of mergers he would be prepared to accept?