It is no use going on and on and blaming the bankers. If the hon. Gentleman looks at the position this country was in before the banking crisis, he will see that we were running a huge structural deficit. There is no conviction at all when Opposition Members go on trying to blame the banks, because it is they who are responsible for the difficult decisions we now must take. His party did absolutely nothing about bonuses; they obliged the banks that they supported to go on paying market rate bonuses, whereas we have secured a reduction.