Reference was made to the fact that the financial institutions pretended to be in competition with one another in order that we would be scurrying like beavers from one institution to another. They are not in competition with one another. They are in a cosy club, peopled in the main by men and those who do not intend us to get any advantage in being members of the European Union. Surely if we are into showing off the advantages of the Union, it should be done when the ECB reduces interest rates. Let us contrast the position with the ECB increasing rates. I guarantee that within one hour the competency would extend to increasing rates. This is a warning shot across the bows of what has happened this week.