Ed Miliband is on the Andrew Marr show. He says he wants to start two new banks. He went to a micro-brewery last week and hey couldn't get a bank loan.
You want to know why? Because micro-breweries sell mostly to pubs as guest ales, without the benefit of long term contracts. They are relatively undifferentiated and the micro-brewery business has relatively low barriers to entry - the only thing keeping most of them afloat is the fact that it isn't easy for wannabe new entrants to get a loan.
But the worst factor is the decline of the English pub, largely as a result of the smoking ban introduced by the last Labour government.