I am on the Treasury Committee, and I commend my hon. Friend for her great chairmanship. She has already mentioned the need for transparency, and I am delighted that the Treasury will bring that forward, but I was particularly struck by how difficult it is to open accounts. Even for farmers, it can take multiple months. Most importantly of all, the PRA’s approach is going to choke the growth of many small businesses, and we need our small businesses to become much bigger for the prosperity of our country. Does my hon. Friend agree that the PRA really needs to understand the importance of this issue to ensure that the entire country prospers, which will only happen if small businesses prosper?