Banks operate like a man who either wears his trousers round his chest, stifling breathing, as now, or round his ankles, exposing his assets. We want their trousers tied round their middle: steady lending growth; particularly to productive British business, especially small scale enterprise.

For many decades - and this was reinforced by the broadcast networks' standards-and-practices department - bad guys on TV had to get their comeuppance, and good guys had to be brave and true and unconflicted. Those were the laws of the business.

When I was 20, I thought anyone in the music business over 25 is past it. Then at 30, you think anyone still doing it at 35 is ridiculous. Suddenly, you find yourself at 48 and still doing it, so I don't know what to say, really.

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