I didn't come from a traditional Tory background; it was urban and metropolitan.

Everyone in our society has had to make a contribution towards dealing with the debts.

I would also like to see children aged between 11 and 18 taught financial education in a structured way in schools. I would also say that that is not enough. You have also got to improve numeracy skills, mathematical skills in schools.

[Banks] have a clear obligation to help get this country off its addiction to debt because they sure as hell helped to get this country addicted to debt.

We have supported the banks, they should be supporting the economy now.

We need to think deeply about whether we can sustain banks that are not only too big to fail, but potentially too big to bail.

You also want to look at how the tax system encourages and rewards pension saving. I have set as an ambition reversing the effects of Gordon Brown's tax raid which heralded the beginning of the age of responsibility. We are looking at some very specific tax measures on how we can encourage saving.