However, from a general economic point of view, the issue that affects our clients—many of Stuart Mackinnon’s and David Lonsdale’s organisations’ members will be clients of Scottish financial institutions—is the fact that the rates will inform, depending on what happens, investment and lending decisions, so it drives small and medium-sized enterprise customer behaviour. I will bring in Mr Sharma in a moment to mop up some of that, and then we will hear from Mr MacTaggart and Mr Milton, but we will hear from a committee member first.