Johann Lamont

My granny would come out and stay with us in the winter, and we would listen to the reports from the coastal stations and have a discussion in the middle of Glasgow about what the weather was like in Tiree.

Leverage is great when it works, and when it doesn't work, it creates a lot of issues. So I think if you limit the amount of leverage that people can borrow, or that banks can borrow, I think you'll find that you'll have a lot less issues going forward.