I am going to do something that breaks with convention in this debate—I am going to say something positive about what is going on.

Does the hon. Lady accept that the previous Labour Government put us in this financial mess in the first place?

Will the hon. Lady give way?

I congratulate my hon. Friend on bringing this debate to Westminster Hall.

I congratulate my hon. Friend on bringing this debate to Westminster Hall.

Will the hon. Gentleman give way?

Will the hon. Gentleman give way?

Will the hon. Gentleman give way?

I thank the hon. Gentleman for being so generous with his time.

I thank the hon. Gentleman for being so generous with his time.