My right hon. Friend was challenged from a sedentary position by the hon. Member for Beaconsfield (Mr. Smith). I hope that my right hon. Friend will listen to what the hon. Gentleman is saying. Does my right hon. Friend realise that the hon. Gentleman is parliamentary consultant to the National Association of Security Dealers and Investment Managers, and to the County bank, and obviously has a strong interest in this debate and knows what he is talking about?