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That seems fine.

I want to start by asking you a closed question, to which you can answer yes or no, before I go into the main thrust of my questions. Do you routinely disaggregate the data in your surveys, including those that you carry out and those that you have commissioned, by sex/gender?

I can see a yes from Laura Mahon and a nod from Polly Tolley.

That just leaves Adam Stachura—he seems to be saying yes.

I have realised that it is not always best to ask closed questions, so I will move on to an open one. When I was preparing for this session and rereading the questions that you were asked to answer in making a written submission, the question that jumped out at me was:

“How should the Scottish Government’s Budget address the different impacts of the pandemic across age, income and education groups and across places?”

I was surprised that the question did not include sex or gender, although some of the submissions that we received, such as those from the Scottish Trades Union Congress, the Health and Social Care Alliance Scotland and the Women’s Budget Group pointed that out and included evidence on the issue.

I thank you very much for all the data that you have supplied to us, but would you like to make any additional reflections on the particular impact of the pandemic on women and/or girls? I suspect that Polly Tolley will want to do that. Also, do you know of any costed policy initiatives that could have benefits for women or girls?

I can see some note taking happening. I think that John Dickie wants to go first.

I hope to hear from our other three witnesses on that.

I am conscious of the time, but could I please have the last few comments from the other two panellists, if they wish to contribute to this thread?

I realise that it is a slightly different question for Dave Moxham.

That is what I was alluding to earlier in respect of endemic structural issues in our financial system.

I am keen to ensure that, before we finish, everyone has the chance to put on the record their findings about debt. However, I am aware of the time, so you should be brief before the convener calls me to order.

I will carry on with that in a moment, but I understand that Dave Moxham wants to come in.

I am sorry to interrupt you, Charandeep, but I am asking whether you disaggregate all data in all of your surveys.

I want to pick up on that before I go to Charandeep Singh. I am aware of the time. Given your experience and background, and in light of what you have said about the nature of women’s businesses, to what extent does the structural management of debt exclude gender considerations in how banking is currently run?