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We will consider whether, working with banks and building societies, there is any other way to make it easier for people to get on to the housing ladder if they wish to do so.
There is a legal requirement for financial accounts to be submitted, usually within nine months or thereabouts, and audited. In the case of banks, the timeframe is even shorter than that.
It has been suggested to the committee that the larger generation companies could, in theory, make a speculative application for grid capacity and then almost bank that connection. Do you recognise that as being possible or, indeed, as happening?
On sustainable finance, we are working on further banking union. The Commission has made a proposal on the single resolution mechanism and we will ensure that there is discussion of that at European level.
Absolutely central to any negotiation on Scotland as a potential EU member is what currency she would use and whether she would have a central bank. Those matters would need to be established first, before anything could be considered with regard to an application.
There is already some evidence—albeit not a huge amount—of a large rise in referrals to food banks as a result of sanctions.I will tell the committee about a recent case study from our helpline, because real-life examples can give a better idea of what is happening on the ground.