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The Government is already on the case, because the matter was flagged up to me by Stephen Pearson, the head of legal services at the Royal Bank of Scotland, which, after all, is our single largest institution here in Scotland.
The businesses that seem to have benefited most are those with diverse, disparate sites—those with lots of small shops, pubs, bank branches and stuff like that. Most encouragingly—I speak as a taxpayer—the public sector in Scotland has taken advantage of the competition.
Part of its success is because it is different—it is not a great mausoleum or a monumental thing stuck on the South Bank, but a moving thing, with everybody involved.
We have not yet talked about the work that is going on in our public services to deliver energy efficiency schemes through collaboration with health boards through the Green Investment Bank to advance some of the schemes that transform energy use and the associated cost to the public sector.
Members might be aware that, after the UK Government took stakes in some of the banks, it established a lending panel, which involves a home finance forum.