Like others, I offer Pete Wishart all the deference that he deserves.

Douglas Ross said that the banks are “morally bankrupt”. Let us not forget that, but for the taxpayer, they would also be financially bankrupt. We have recently seen the withdrawal of the Bank of Scotland from Stromness in my constituency—the last bank in town. If we now hear that there is a rush of banks seeking to avoid the incoming legislation, does the Chair of the Select Committee agree that that is simply acting in bad faith, which the Government should not be tolerating and in respect of which they should be acting?