looking at global regulation, when loids wants to take over hvoc, you wanted to set aside the rules. to the detriment of lloyds, do you acknowledge that has led to a severe reduction in the choice of competition in the british banking system, which means that many business is are not getting access to finances to keep themselves going? that is sound and viable business. and how do you respond to the competition commissioner saying that effectively the size of the royal bank of scotland and the competition implications will have to be revisited and that britain cannot expect to be immune from competition rules. is it not the case that r.b.s. may have to be broken up and hvos would have to be floated again? >> hvos would have collapsed without lloyds stepping it. let us be clear. secondly, there are bound to be fewer banks operating in this country now because the biggest loss has not been -- to competition has not been to lloyds. it is the loss of foreign banks which was doing half the lending in britain in the last 10 years. if you like a withdrawal to home base of large number of fo

. >> did clear a bit after the hunde loid c bs the clouds bidding back up asude prunoa wch sserihich i atse 6:20 this rnmoinmo radar not shong any more showers or thundershowers after we had thoseocturnrnhu ternd and lightning storms coming er ugh. brie age, just had som heavy downpours. ere's the forecast for today. hetos. mid-80s. tshift aonnoer this afternoon g showinabout a ow40% chance of thdewersunrsho. an cook atan graphics 22 and show you the forecast there. that will not appear. there it is. ovgherninit overnight tonight for thens s s ood ravens in baltimo, lks like it will be in t egby am0s 7 by game time. just a small chance of a passing thundershower. and then by this time tomorrow morning may have some patchy fog around, near 70. lyrtoupacl dy, clfriday, saturd and ndsuaylyonsu a a small chan of afternoon thundershowers. if you like summertime, that's the way it looks. >> it's still summertime out there, but as you y, we start to see the -- >> daylight hours are getting shorter. >> thank you, tom. >> we'll see if it looks like rush hour time. let's go to jerry edwards an