For example at the moment there is a compulsory requirement to buy an annuity. That is something we would get rid of. It puts some people off saving.

Put on top of that the fact that the whole world is looking at Britain and saying how is this country going to pay its way in the future. They are looking at other countries like Greece who can't pay their way in the future and you see savage spending cuts, big cuts in pay.

I have done everything I can to move Britain out of the financial danger zone.

We are pretty tough in saying for example if you've got unsecured debts and less than £25,000 that should not be an excuse for repossessing someone's home.That should not be allowed.You have got to help manage people through this process. I don't want to pretend that it is going to be easy getting out of Gordon Brown's hole.

The positive news is that the British economy is continuing to grow and is creating jobs. And it is positive news too that at a time of real international instability we are a safe haven in the storm.

I believe in public services.

The Conservative Party mustn't sound like the old man on the park bench who says things were better in 1985, or 1955, or 1855.