 More now from Fran Boyd, the Director of Positive Money. Many of us are joining me here on the programme. Fran, so the stepping down of Vernon Hill two months early, do you think, reputationally speaking, is this a good or a bad thing for Metro Bank? Well, they haven't had a good year, have they? I mean, their shares have fallen by 90%. And as you said, there were high hopes for Metro Bank coming on the scene in 2010 after the crash. It was seen as a challenger bank into a kind of monopoly of too big to fail banks. But it was trying to basically copy a system which we know doesn't work anymore. It was trying to do both kind of maximise short-term profit for shareholders as well as giving out quite big salaries and payouts to the top. But also it was kind of saying, we're going to do things differently. We're going to have a big branch network. We're going to do SME lending. And we're going to try and do things differently. But unfortunately, with that shareholder model, it's just shown this year that actually it hasn't worked out for Metro Bank and it was still, you know, trying to make those big profits by funneling a lot of bank debt lending into property, into financial markets. And obviously it misclassified almost a billion, sorry, almost a billion, no, almost a billion loans. And that was the kind of start of a bad year and kind of showing the flaws in this model of banking. Yeah, absolutely right, almost a billion pounds. As we say, it's been a dreadful year for the bank. Vernon Hill used to regularly refer to customers as fans. It does still have great plans. It wants to expand its presence in the north of England. It wants to move into cities like Manchester, Liverpool and Birmingham. Where does the bank sit now currently? Is it still delivering for its customers? Well, we saw earlier, I think, customers withdrew around two billion deposits. So clearly, reputation has been damaged. And I think, you know, Metro Bank's got a kind of choice on its hands. What does it want to do? Does it want to kind of double down on this kind of broken model of banking, you know, where you see kind of risky loans going out to property financial markets? Or does it want to actually think we need a different kind of model, one that doesn't just withdraw bank branches from communities and one that does put its kind of customers financial services and the fact that they want safe and secure deposits? You know, we saw from other big banks, big, too big to fail banks like RBS, once they kind of exposed that they have a broken model of banking, trust goes, there's clearly a toxic environment and we hear these big figures. I think the CEO, Craig Donaldson, was given a 2.5 million bonus a couple of years ago. The chairman's stepping down. There's speculation that he might keep his £10,000 monthly expenses allowance. And you know, actually, banking is meant to be a utility. If it's actually going to serve customers, keep their money safe, lend to SMEs, have branches in the community, it can't have both these, you know, oversized payouts to the top, a kind of cronyism and a toxic environment that we've seen creep into Metro Bank as well as delivering. And so, you know, I think obviously we'll see who comes in next, we'll see some of the announcements they make, but positive money, very skeptical, because we see a banking system that's inherently broken and we see that we need to bring in very different types of banking. And unfortunately, Metro Bank was basically seeking to replicate to quite a large extent how Barclays, HSBC, et cetera, do banking. OK, Fran, we're going to have to leave it there, but good to hear your thoughts. Fran brought their executive director at Positive Money.