Is not the Minister being rather complacent? Is not it true that net personal savings as a percentage of disposable income, which is an important barometer, have fallen from 13 per cent. in 1979 to 5 per cent. last year and that that is reflected in the outstanding consumer credit of £50 billion, much of which has been expended on manufactured goods that were imported by this country because of the inadequacy of British manufacturing industry under the Tory Government to furnish that demand?