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The government has now pumped about £60 billion of our money into Northern Rock. That’s a lot of money – it’s more than half what the health service costs. Now the NHS is looking after millions of people at any one time and hospital services are available round the clock for you in case anything goes wrong. It employs over a million people and its benefits are there for all to see.

As we explained in the last issue, the vultures are hovering round Northern Rock. There are the shareholders on the one hand, people who think the rest of us owe them a living and, if they bet on a horse that loses, then we should just give them their money back.