Well look, no one takes pleasure from people making money out of the misery of others, but that is a function of capitalist markets.

One big theme for me is that we have got to move from an economy built on debt to one where we save and invest in the future.

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.

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.

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.

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

I am actually quite encouraged and I think, actually, the UK is coping with globalisation a lot better than most other European countries. And that is reflected in the fact that (whilst of course there are people who are still unemployed) our unemployment rate is low and (whilst of course we need to export more) we are attracting a huge amount of inward investment into Britain.