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Credit is essential in our modern economy. In the past 20 years, new credit markets have been opened up and getting credit has become easier and cheaper than it used to be.
It has an impact on the first impression that people get of Scotland when they arrive at Prestwick, Aberdeen, Edinburgh or Glasgow airports and want to get to the centre of town or to another part of Scotland.
If we can beat the journey time, the business case gets better. As you are aware, the Waverley Route Trust claims that it is possible to get the journey time down to 39 minutes.
I will give a small example. A farm might need a new potato shed. A rent reduction of £2,000 would not get the farmer that building, but an input through the bank and the landlord to a joint venture could substantially help that farming business.
If a bus operator is prepared to take dealer stock off the shelf, they can buy new buses in a week, in the same way as anybody can go into a showroom and get a car.
Yesterday, I was at a school in the Gyle that is getting a splendid new extension and I visited a school in my constituency that has had its windows fixed and its roof repaired.
Indeed, members who travelled overseas to take evidence for the inquiry were struck by the reservoir of warmth that they encountered in the countries that they visited. I visited Paris and Dublin and other members visited other places.