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May I put to my right hon. and learned Friend what is the biggest issue at my constituency surgeries, and which was the subject of my Adjournment debate a couple of weeks ago and was raised by Members on both sides of the Chamber earlier today? It is the banks and their lending policies. Can we make it clear to them before the recess that much as we supported the Government's attitude to them and the extra resources that were provided, we do not expect small businesses and young people looking for mortgages to come to tell us that the banks are completely inflexible and irresponsible?
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