I am grateful that the committee will look into the subject.Does the cabinet secretary agree that the announcement from Lloyds Banking Group that it will axe more jobs after repaying £4 billion to the Westminster Government is a slap in the face for the hard-working staff in the banking industry, and that those job losses are a direct result of the HBOS-Lloyds merger that Gordon Brown pushed through at Westminster? The financial services sector has many difficulties and uncertainties.