But he's not going to be cutting jobs at the Treasury and making Treasury seat-fillers accountable.

So we'll probably see yet more spending on consultants who cost a fortune and whose answer to saving money is to offer yet more consultancy.

Brown's tragedy is that this heart is more or less in the right place, but he's completely lacking in either the vision or the charisma needed to create any positive changes which aren't trivial and superficial.

Savings schemes for low income earners is a good 'un. As prices on everything go up, there's going to be plenty of opportunity to use those to the full.