05/02/2012

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:00:46. > :00:54.Good morning. And coming up: Nick Clegg lost another Cabinet minister

:00:54. > :00:57.on Friday and his party's poll ratings are in single figures. One

:00:57. > :01:03.third of flights at Heathrow today are cancelled and that was before

:01:03. > :01:07.it even started snowing. Why? The Transport Secretary is here for a

:01:07. > :01:17.Sunday interview. With the government about to

:01:17. > :01:22.

:01:22. > :01:28.consult on gay marriage, they will With limited cash and growing

:01:28. > :01:33.demand, do you agree with the government's spending priorities?

:01:33. > :01:43.The Finance Secretary John Swinney tells us about his budget, its

:01:43. > :01:43.

:01:43. > :27:11.Apology for the loss of subtitles for 1528 seconds

:27:11. > :27:17.My personal view is that the expression of commitment that is

:27:17. > :27:25.made in gay marriages is one that I would like the Church's to

:27:25. > :27:35.recognise. I'm not sure what the definition of a dinosaur is.

:27:35. > :27:36.

:27:36. > :27:42.are not with the times. I think there is an eternal provision here,

:27:42. > :27:47.which I would say as a believer. I think civil partnership, as

:27:47. > :27:55.constituted, I would prefer that to be extended, but that is another

:27:55. > :27:58.debate, but that provides the legal equality that is being sought.

:27:58. > :28:03.people believe that civil weddings and so will partnerships are pretty

:28:03. > :28:13.much the same thing - a marriage in all but name. We did make a

:28:13. > :28:15.

:28:15. > :28:20.difference? Yes, because marriages between a man and a woman. You say

:28:21. > :28:27.it is for the charges, but if this law comes in in the European

:28:27. > :28:31.legislation, the Church could be forced. I disagree, the legislation

:28:31. > :28:37.can and would make it very clear under the Human Rights Act that it

:28:37. > :28:43.would simply not be possible to bring a case against a church which

:28:43. > :28:50.had chosen not to allow a same-sex marriage to take place. We are not

:28:50. > :28:56.talking about forcing Church is to allow it same-sex marriages. Would

:28:56. > :28:59.you like to withdraw the word, dinosaur? It is a challenge for the

:28:59. > :29:03.churches, and they have to move with the times and it is something

:29:03. > :29:13.I hope they will seriously consider. Some of them are moving with the

:29:13. > :29:18.Times, and some are allowing gay marriages, isn't the Church of

:29:18. > :29:28.England - which is in some trouble in terms of its membership - known

:29:28. > :29:29.

:29:29. > :29:34.to be left behind? -- going to be left behind? In charge has its

:29:34. > :29:40.doctrine and its teaching, and that is the ground on which we stand.

:29:40. > :29:45.Most churches would take the same position on this matter because of

:29:46. > :29:53.the long-standing understanding of what managers. Most people, most

:29:53. > :29:57.opinion... Most people, historically, all is allowed that

:29:57. > :30:02.marriage was between a man and a woman. But the public consensus has

:30:02. > :30:07.changed. The polls indicate otherwise. People are not so

:30:07. > :30:11.concerned about this. If a same-sex couple want to be together, good

:30:11. > :30:18.luck to them. The question is whether that is described as

:30:18. > :30:27.marriage. There is one important point - the judges need to make a

:30:27. > :30:33.better case about what managers. -- the churches. We're talking about a

:30:33. > :30:43.civil marriage and not a religious marriage. We will have to leave it

:30:43. > :30:49.

:30:49. > :30:53.Welcome to the Sunday politics in Scotland, coming up: it is budget

:30:53. > :31:00.week on Wednesday. Holyrood will pass one of the toughest in its

:31:00. > :31:03.history. We will ask the Finance Secretary about his choices. With

:31:03. > :31:06.councils on the front line of the services you get and their main

:31:06. > :31:11.elections on the way, we will be looking at the key battlegrounds

:31:12. > :31:15.beginning with Glasgow. With the top of the referendum, not

:31:15. > :31:21.much attention has been paid to another matter of immediate

:31:21. > :31:27.importance, the budget for the financial year starting in April.

:31:27. > :31:34.It passed one hurdle on the day that the plans were set out for the

:31:35. > :31:38.referendum. On Wednesday it is brought back to Holyrood for the

:31:38. > :31:43.final vote. Perhaps with the loyalty of the backbenchers, there

:31:43. > :31:50.is no doubt of the outcome, but what about the outcome for public

:31:50. > :31:56.services? Our correspondent has been looking at the numbers.

:31:56. > :32:04.The time was when the numbers only went up, and the money was splashed

:32:04. > :32:10.around the public services. John Swinney cobbled together deals over

:32:10. > :32:14.four years. Then came the spending squeeze, swiftly followed by an SNP

:32:14. > :32:19.majority. John Swinney now has all the votes he needs but how is he

:32:19. > :32:27.using them? The squeeze is the tightest that

:32:27. > :32:34.has been. Spending is down by 7%. Next year and two years after that,

:32:34. > :32:41.spending will be down by more than 5%. Next year's Holyrood budget is

:32:41. > :32:50.being squeezed by 1.5%. The cumulative pain is building. Not

:32:50. > :32:57.everyone is feeling that pain equally. The budget facing MSPs on

:32:57. > :33:01.Wednesday, road spending gets a boost, as the Bill comes in for the

:33:01. > :33:09.4th crossing, universities have a good deal and students with their

:33:09. > :33:14.support Bill -- supports money going up. There is a squeeze on

:33:14. > :33:19.public sector pensions, as capital budget cuts which are hitting

:33:19. > :33:22.housing hard, and that has been a pressure point, and further

:33:22. > :33:29.education colleges, and this at a time when training for jobs is a

:33:29. > :33:37.priority. The councils are in line for one of the biggest cuts. On the

:33:37. > :33:40.tax side, shops selling alcohol and debacle will have to pay �30

:33:40. > :33:46.million next trying health tax next year. That is not popular with

:33:46. > :33:54.supermarkets or the Tories. There is a continuing pay freeze for most

:33:54. > :33:57.public sector workers. Also, a council tax freeze. This year sees

:33:57. > :34:03.the start of what is billed as a radical change in the way that

:34:03. > :34:07.money is spent in Scotland. John Swinney has earmarked �500 million

:34:08. > :34:13.in what is called preventative spending. The idea is to spend

:34:13. > :34:16.their early to prevent more expensive problems arising later.

:34:16. > :34:24.Supporting very young children, in the eye -- with the idea it will

:34:24. > :34:28.save money later on. John Swinney has all the votes he needs but he

:34:29. > :34:33.still hopes to win the support of opposition parties if only to

:34:33. > :34:40.provide political cover for the painful cuts involved. His

:34:40. > :34:47.opponents have highlighted housing and college spending, but they have

:34:47. > :34:53.declined to save wear more cuts should come. Since the Budget was

:34:53. > :34:58.published last September, John Swinney has �130 million in

:34:58. > :35:02.addition. He has some modest room for manoeuvre and the chance to

:35:02. > :35:08.hand out a few sweeties. Joining us from our Dundee studio

:35:08. > :35:15.is hour Finance Secretary, John Swinney. What are you still

:35:15. > :35:22.negotiating at this stage? Over the course of the last couple of weeks,

:35:22. > :35:31.I have spoken to the opposition parties and listened to their. In

:35:31. > :35:35.the Stage 1 debate, ten days ago. The main things are in relation to

:35:35. > :35:39.college funding, housing infrastructure and some of the

:35:39. > :35:43.sustainable travel budgets which are available as part of the

:35:43. > :35:47.government's settlement. I am looking carefully at those points

:35:47. > :35:53.and my interest is in creating a parliamentary consensus around the

:35:53. > :36:01.Budget proposals because I think it is in every one's interests in

:36:01. > :36:05.having steered priorities, delivering economic recovery.

:36:05. > :36:10.But you do not need their support, you will have the final say. One

:36:10. > :36:17.interpretation would be that you why negotiating because you need

:36:17. > :36:22.political cover. My motivation is to provide the broadest agreement.

:36:22. > :36:26.If you look at the budget I put forward as the finance minister in

:36:26. > :36:31.a minority government, they were supported on different occasions by

:36:31. > :36:34.different political parties because I was able to create some consensus.

:36:34. > :36:41.There is the question of what approach the opposition parties

:36:41. > :36:45.take. It is often a great interest in proposing new ways to spend

:36:45. > :36:50.money but not a lot of enthusiasm to save where the money will come

:36:50. > :36:54.from so I am working with the opposition parties, because we made

:36:54. > :36:58.clear when the majority SNP government was created, that we

:36:58. > :37:03.would still work to create consensus across the political

:37:03. > :37:08.spectrum. A key area for the opposition is the cut in spending

:37:09. > :37:13.to the colleges. You could make up that money. I knew indicating this

:37:13. > :37:18.morning that Devon-based -- they feel so strongly about that, do you

:37:18. > :37:21.accept that if we are basing our economic recovery on a well skilled

:37:21. > :37:25.workforce, cutting the college budget by that much does not make

:37:25. > :37:30.sense? The Government has put in place a

:37:30. > :37:35.range of support for young people trying to get into the labour

:37:35. > :37:40.market, we have a fund its 25,000 Modern apprenticeships for eight

:37:40. > :37:44.here of the spending review, and we have given a guarantee to every 16

:37:44. > :37:50.to 19-year-old that they would have access to training or educational

:37:50. > :37:57.opportunity if they are unable to secure a work of their own activity.

:37:57. > :38:01.Since my budget in September, I had put in �15 million to assist the

:38:01. > :38:08.college sector to undertake the reform the government believes is

:38:08. > :38:11.necessary. Last week, I allocated a further �5 million to support

:38:11. > :38:15.employability programmes through the college sector, so we are

:38:15. > :38:22.putting extra resources into the college sector but I continue to

:38:22. > :38:27.listen to the points put forward by the opposition. Should we expect

:38:27. > :38:32.more money going into the college sector? It is an area that is still

:38:32. > :38:38.under consideration and discussion. There is a material change in the

:38:39. > :38:42.government's budget has since it was announced in September with 50

:38:42. > :38:49.million in the college transformation fund and the extra

:38:49. > :38:54.money which we announced last week. I think they will be beneficial to

:38:54. > :38:59.delivering our objectives. If you look at what you can deliver,

:38:59. > :39:04.the living wage is obviously of critical importance for many local

:39:04. > :39:08.council workers. We know you want a living wage imposed across the

:39:08. > :39:11.councils and that is happening across government departments, but

:39:11. > :39:15.the local government committee has pointed out that you cannot require

:39:15. > :39:22.that to happen in councils in Scotland and the vast majority do

:39:22. > :39:25.not do that and say they cannot in the future. The living wages very

:39:25. > :39:30.important from the government's perspective because we think it is

:39:30. > :39:37.vital to put energy and effort into tackling the issue of low pay in

:39:37. > :39:40.public services. We have applied the living pay across the areas

:39:40. > :39:46.that we control but you are right in saying I cannot impose that

:39:46. > :39:56.across local government in Scotland. But there are a number of local

:39:56. > :39:57.

:39:57. > :40:01.authorities interested in taking forward this commitment. It is an

:40:01. > :40:05.issue that I have to leave fundamentally to the decisions of

:40:05. > :40:09.local authorities but I would encourage them to take that step.

:40:09. > :40:16.If we look at the bigger picture, you have suggested that Scotland

:40:16. > :40:21.would be better off, I economically, people would be better off,

:40:21. > :40:30.individually, in an independent Scotland. How much do you think, in

:40:30. > :40:37.cash terms? Scotland as a country, as we had access to our resources,

:40:38. > :40:42.would be placed at the ranking of six in the most prosperous nations.

:40:42. > :40:47.That would be a significant increase on our present position.

:40:47. > :40:51.The reason for that argument is to demonstrate that Scotland is a

:40:51. > :40:54.strong country ergonomically, we contribute more to the United

:40:54. > :40:58.Kingdom than we get back, and perhaps the fact we are seeing

:40:58. > :41:05.these messages put forward and deployed by the Scottish Government

:41:05. > :41:10.is perhaps why be in -- the opinion polls demonstrate support for

:41:10. > :41:13.Scottish independence is rising as the government puts forward a very

:41:13. > :41:20.positive agenda about the opportunities that exist for

:41:20. > :41:25.Scotland. One of the arguments at the heart of the debate is of

:41:25. > :41:28.delivering greater prosperity to the people of Scotland. I am

:41:28. > :41:33.interested in having access to the powers and responsibilities to

:41:33. > :41:38.create more opportunities for the people of Scotland, more employment

:41:38. > :41:44.opportunities, and making a country more successful.

:41:44. > :41:50.You were talking about people, the Sunday Times poll, which puts

:41:50. > :41:55.support for independence at the same level as support for the

:41:55. > :42:01.remaining in the Union. But what I am getting at, what will this mean

:42:01. > :42:10.for individuals, financially? Can you put a figure on it? Would it be

:42:10. > :42:14.�500 per year. The evidence suggests people are interested in

:42:14. > :42:20.the prospects and the opportunities that would arise from Scotland

:42:20. > :42:27.becoming an independent country. The example I cited in the letter

:42:27. > :42:33.the other night was the fact that if we had access to our resources,

:42:33. > :42:37.Scotland would be ripped -- ranked as the sixth most wealthy country.

:42:37. > :42:42.That is an indication in the level of growth and wealth in Scotland if

:42:42. > :42:46.we had the ability to put our own resources to the best effect in

:42:46. > :42:49.securing the best future for Scotland. That is in marked

:42:49. > :42:54.contrast to the economic performance people were accustomed

:42:54. > :42:58.to as part of the United Kingdom, where Scotland's economy has told

:42:58. > :43:08.the rest of the UK because we have not been able to use our resources

:43:08. > :43:09.

:43:09. > :43:14.to our advantage. Can I ask you about something else. Almost 60,000

:43:14. > :43:18.EU nationals living in Scotland will be able to vote in the

:43:18. > :43:24.referendum that 750,000 Scots living south of the border will not.

:43:25. > :43:29.Do you think that is reasonable? The franchise issue is important

:43:29. > :43:32.for the referendum, and the approach we have taken his two

:43:33. > :43:40.essentially manner of the franchise that elected the Scottish

:43:40. > :43:50.Parliament in May of not -- in May of last year. And the elections

:43:50. > :43:51.

:43:51. > :43:56.which established the Scottish Parliament in 1997 Fall --. Many of

:43:56. > :44:02.these individuals, I can think of my own constituents, army unit

:44:02. > :44:07.nationals who have lived here for 10 or 20 years. They are able to

:44:07. > :44:11.make a contribution to Scotland and this is their home. The one

:44:11. > :44:16.difference we would put forward in the franchise is that we would

:44:16. > :44:19.extend the franchise to 16 and 17- year-old to make sure that young

:44:19. > :44:22.people whose future is entwined with the issues around the

:44:22. > :44:28.referendum would have the opportunity to express an opinion.

:44:28. > :44:33.Thank you very much. Local councils deliver many of the

:44:33. > :44:37.key services we get. May's council elections will not be overshadowed

:44:37. > :44:44.by other polls on the same day. One of the biggest battles will be in

:44:44. > :44:54.Glasgow where Labour will be fighting to retain control. In the

:44:54. > :45:05.

:45:05. > :45:11.first of a series of films, here is 19190 - at the Battle of George

:45:11. > :45:17.Square. The need is that there has been to a revolution outside of the

:45:17. > :45:22.city chambers. Another battle has taken place this year. The SNP

:45:22. > :45:30.hopes that Glaswegian Botha's will bring about a peaceful revolution.

:45:30. > :45:34.Labour has a majority. 46 councillor's to the SNP's 20. It is

:45:34. > :45:41.quite a challenge from SNP to become the largest group and both

:45:41. > :45:47.parties will campaign passionately. We want to or for openness,

:45:47. > :45:55.transparency. We want to engage with people. We want them to know

:45:55. > :46:01.the we're listening. We have done more than any other UK Council to

:46:01. > :46:09.tackle unemployment. These are the kinds of issues which are important

:46:09. > :46:12.to local people. But with a Labour out of power at Holyrood and

:46:12. > :46:17.Westminster City Council has taken on an extra importance for the

:46:17. > :46:23.party. It has been a powerful critic of the Scottish Government

:46:23. > :46:31.in the past. For example on the council tax frieze were the cutting

:46:31. > :46:36.off class sizes. Glasgow is a very important to the Labour Party. They

:46:36. > :46:40.have controlled it on their own since the 1930s. As the largest

:46:40. > :46:45.city in the country it is an important place for the party who

:46:45. > :46:52.have traditionally done extremely well here. Losing Glasgow would be

:46:52. > :46:59.a major symbolic defeat for the party. Do you agree Scotland should

:46:59. > :47:07.be an independent country? But is the SNP thinking about more than

:47:07. > :47:15.just who can do best for Glasgow? A powerful Labour council would also

:47:15. > :47:19.be a powerful voice in the No campaign. Under mining labour in

:47:19. > :47:26.the City can only be good for their SNP in their build-up to the

:47:26. > :47:32.referendum. Like many battles of the true importance of this one may

:47:32. > :47:39.only become apparent in time. If the council falls to their SNP it

:47:39. > :47:43.could be a milestone in the current Scottish war of independence. I'll

:47:43. > :47:47.now joined by the professor of politics from Strathclyde

:47:47. > :47:55.University, John Curtice. What kind of messages will be coming out of

:47:55. > :48:02.these campaigns? How can you hold a national line, locally? It will be

:48:02. > :48:09.an intriguing campaign. Very true. But it will not just the national

:48:09. > :48:14.poll, there will be important local issues. For example, the trams

:48:14. > :48:21.fiasco in Edinburgh. That is another fascinating local issue.

:48:21. > :48:27.The Liberal Democrats may be on a hiding to nothing there. But beyond

:48:27. > :48:31.that, are what we are looking for our messages about the degree to

:48:31. > :48:39.which the SNP have retained the quite substantial levels of support

:48:39. > :48:42.they achieved 12 months ago. 45% in the polls. If they manage that we

:48:42. > :48:49.can certainly anticipate them making gains. These elections were

:48:49. > :48:54.last fought in 2007 when the SNP were only just ahead of Labour in

:48:54. > :49:02.the Holyrood poles and slightly behind them in the local elections.

:49:02. > :49:06.They have certainly got the increases that we saw in a Holyrood

:49:06. > :49:12.election. So we can anticipate them picking up some councils, but

:49:12. > :49:18.Glasgow would not be top of my list. Places like Dundee, Perth,

:49:18. > :49:23.Midlothian, these are easier targets. But because Glasgow is

:49:23. > :49:29.such a big prize everybody is focusing on it. It is relatively

:49:29. > :49:35.easy for their SNP to denied Labour a majority in Glasgow. Six seats it

:49:35. > :49:41.would do that. But on the other hand, having overall control of

:49:41. > :49:45.requires the SNP to have 18 extra seats. That is a very substantial

:49:45. > :49:55.requirement for them. Probably somewhat higher than the kind of

:49:55. > :50:03.swings we have been seen recently. A Sunday Times poll today says that

:50:03. > :50:10.support for independence is that 47%. This falls other polls where

:50:10. > :50:19.the SNP would get an incredibly good solid figures. What are the

:50:19. > :50:24.key points are to take from this? This is it rebuild Paul to simply

:50:24. > :50:30.ask the question, do you agree Scotland become -- should become an

:50:30. > :50:34.independent country? So it is quite clear that if you are asked the

:50:34. > :50:40.Alex Salmond question on a Survey it is getting higher levels of

:50:40. > :50:46.support and Surveys which do not ask that question. But this poll

:50:46. > :50:50.also provided another question involving devolution a maximum. So

:50:50. > :50:56.often with these things the truth lies in the nature of the question

:50:56. > :51:00.being asked. But the question is important in the context of this

:51:00. > :51:07.Survey. And clearly it is resulting in higher levels of support for

:51:07. > :51:17.independence. But the key will be it the question and answers at the

:51:17. > :51:20.

:51:20. > :51:23.end of the Three's your long referendum campaign. -- three years.

:51:23. > :51:27.The Scottish Government is launching a campaign to encourage

:51:27. > :51:32.women to cut down on their drinking. It is an attempt to change

:51:32. > :51:39.attitudes and as part of the campaign a new phone app will

:51:39. > :51:49.demonstrate how drinking speeds up the ageing process. It is hoped

:51:49. > :51:52.

:51:52. > :51:57.that the up well short women into Tenants with a history of anti-

:51:57. > :52:04.social behaviour could lose their housing rates. Changes were made to

:52:04. > :52:12.how social housing is managed in Scotland. Law abiding tenants's

:52:12. > :52:17.lives are often blighted by In the 5th round of the Scottish

:52:17. > :52:23.Cup Rangers face Dundee United. The Dundee United manager reckons that

:52:23. > :52:33.Rangers are still a difficult team to overcome despite losing their

:52:33. > :52:34.

:52:34. > :52:41.And now the weather. A better day for the second half of the weekend.

:52:41. > :52:46.The best of the sunshine will be across Aberdeenshire and Fife. More

:52:46. > :52:52.cloud across the West and showers will become more persistent.

:52:52. > :53:02.Feeling less colder than yesterday with lighter winds. Chillier in the

:53:02. > :53:05.

:53:05. > :53:15.Back to Isabel. Thank you. It looks like the main focus at Holyrood

:53:15. > :53:22.this week will be on the money. To help me look ahead to the week I am

:53:22. > :53:27.joined by two economic correspondents. Good morning to you

:53:27. > :53:37.both. Should we expect more money to go to colleges, having held the

:53:37. > :53:40.interview with John Swinney? It was very hard to tell full stops he is

:53:40. > :53:49.good at informing you at progress that has been made but leafing out

:53:49. > :53:54.the possibility of other things. There is a significant

:53:54. > :53:59.restructuring on this new regional model. Given that he has a bit more

:53:59. > :54:03.room for manoeuvre in the Budget next year I just wonder if he might

:54:03. > :54:06.want to defuse some of that. It is easy to make the link between

:54:06. > :54:15.skills that are learned at college and the need for young people to

:54:15. > :54:23.find work and boost the economy. Where should he be looking, if he's

:54:23. > :54:29.going to review anything? Has a bad idea is to shift money from revenue

:54:29. > :54:35.into capital full stock -- has Bhagat idea. He wants his capital

:54:35. > :54:39.spend up by 25%. That is to give the economy a boost and that is

:54:39. > :54:49.where he is focusing. The long-term view that if he puts more money

:54:49. > :54:50.

:54:50. > :55:00.into capital spend it then the shovels a world charm the earth.

:55:00. > :55:05.That causes pain of for frontline services. Underlying his aims are

:55:05. > :55:08.an attempt to save money, do things efficiently. Now I nor all

:55:08. > :55:16.politicians say that and it is part of the game but remember that this

:55:16. > :55:21.is his 5th of budget. He has gotten far down the line. I worked in

:55:21. > :55:28.higher education for 25 years. There is a degree of duplication in

:55:28. > :55:34.the provision of courses in further education. He is trying to

:55:34. > :55:38.streamline and that. The money that is he is saving, he has done very

:55:38. > :55:48.well to keep spending going in universities and making sure that

:55:48. > :55:48.

:55:48. > :55:52.we still don't have tuition fees, and that is very important. In the

:55:53. > :56:02.bigger picture, do you think river carries the can for the cuts will

:56:03. > :56:03.

:56:03. > :56:08.lose? That has always been the story of politics. If you go down

:56:08. > :56:14.that road, if you are seen to be imposing some kind of cuts, you

:56:14. > :56:18.will pay a price at the polls. George is correct to say that they

:56:18. > :56:25.are attempting to protect a capital budget that has been forcibly

:56:25. > :56:31.shrunk by the London government. But they are doing and that by

:56:31. > :56:41.taking out some of the spending from the kind of services that

:56:41. > :56:41.

:56:41. > :56:45.people notice. There is a new Forth crossing going up. They feel --

:56:45. > :56:54.people know a service that they depend on and feel it when it is

:56:54. > :57:03.being trimmed. Bankers bonuses. We are apoplectic this time every year.

:57:03. > :57:08.What must happen to change this? is an industry which Elms super

:57:08. > :57:13.profits and politicians can no more nor all the light but in a few

:57:13. > :57:18.years the bonuses will be even higher. -- moan all they like. I

:57:18. > :57:22.agree with the vast majority of the general public that these bonuses

:57:22. > :57:28.are not fit for purpose and the banks take undue risks which we

:57:28. > :57:35.have just lived through the catastrophe of. So let's use the

:57:35. > :57:38.tax net to claw the money back. Would you like to see the SNP

:57:38. > :57:46.government be a little more vocal about taxing bonuses are getting

:57:46. > :57:56.rid of them altogether? The SNP have always had a good social

:57:56. > :58:00.democratic position. That is the way to go. We keep on hearing that

:58:00. > :58:08.something must happen but it is only tinkering around the edges.

:58:08. > :58:14.What must really be done? It is an interesting dynamic. The banks are

:58:14. > :58:19.on the back foot. Public opinion is a very strongly against the kind of

:58:19. > :58:28.packages that people are now getting in banking. Even 20 years a

:58:28. > :58:31.go this was never on the horizon. It is a very modern phenomenon. It

:58:31. > :58:39.is just to whether the politicians, at Westminster in the first

:58:39. > :58:47.instance - at least in the current context quiz -- weather politicians