Unfortunately I have left it at home. We have never claimed that transaction costs were the principal argument for the single currency, but of course they are significant. But not even those opposite with the more extreme views would suggest that we should pretend that the euro will not exist in the 11 countries that have adopted it and that it will not have an effect on our business. The preparations for it are essential in order that we have a proper, practical choice when the time comes. My Lords, it is a matter of aesthetic judgment.
Simplicity has to be set against the complexity necessary to deter forgers.
I am not terribly fond of the bridges which appear on so many of the euro notes. My Lords, I was describing as extreme the views of noble Lords opposite. The views of the public have changed on the euro and may well change again as the issue gets closer to determination. My Lords, the Government are taking a wide range of steps to support rural economies, including funding for rural regeneration and development of rural transport. The Government recognise the importance of access to financial services in rural areas.