That access is vital, and we’ve already heard suggestions about how there could be shared facilities, perhaps including the current established financial sector, plus also the exciting prospect such as a Welsh people’s bank that could give us an exciting way forward, responding to a necessary situation. This is a crisis that we are facing of the haemorrhaging of our financial institutions. This isn’t a pipe dream. When we look at the North Dakota bank and see that it is a hugely profitable bank, able to pump money back into infrastructure projects in North Dakota, where the Government deposits its finances with that bank in order to ensure that there is a continuous flow of money, these are exciting prospects that I believe we can’t afford to ignore. Necessity is the mother of invention, they say. We know what is necessary; we need to make sure that we stand up to the haemorrhaging of financial institutions. We cannot continue to let that haemorrhaging go unchallenged.