At the time, that seemed to be an eye-watering amount of money, but that was before the banking crash. The issues are complex, long term and in a sense always with us, but all the questions about who is poor, how disadvantaged they are and the risks that attach to them can be addressed for a fraction of the cost of the banking bailout.If we are looking to place our bets on the next 10 years in Scotland, even if we do not have more powers—that is an entirely different debate—and even if we work only within existing powers, I think that we will be talking about doing a far more intelligent job on adult skills and apprenticeships and doing something much more generous on childcare.