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I would need to look at the exact dates, but in March or May 2018, in order to do something about that, there was an agreement to re-examine the intergovernmental relationships.
Thinking through all those aspects has taken up a substantial amount of time to date, and they will have to be properly reflected in the mechanism or vehicle for effecting a transfer so that we can minimise the negative scenarios.
We have much more cybercrime, for example. People tend not to rob banks with shotguns any more; they rob bank accounts through computers and digital financial transactions, so tackling that requires different skills and a different way of policing.
As I understand it from the cabinet secretary’s evidence, that has been taken out of housing and put into the Scottish National Investment Bank in order to protect that policy priority.
It is time to call a halt to this pantomime. Why should suppliers and farmers bank roll a sector amongst ourselves while our own government sits on our money.
Banks should also be aware of the particular needs of socially and financially excluded individuals as customers, especially in light of the UK Parliament’s welfare reforms.