Morning Extra - What should taxpayers demand from the banks?

In an extraordinary day in banking history, the UK government is pumping £37bn of new capital into some of our biggest financial institutions: Royal Bank of Scotland, Lloyds TSB and HBOS. In return for its investment, the government expects to get a stake in the banks. It could end up with about 60% of RBS and 40% of the merged Lloyds TSB and HBOS. So what kind of influence should we as taxpayers demand in return for our support? A limit to bonus packages, a demand for more realistic mortgage deals or an end to bank charges perhaps? The men at the top of Scotland's two big banks are to go as a result of the bail-out. RBS chief executive Sir Fred Goodwin has stepped down and RBS chairman Tom McKillop is to retire. Meanwhile, HBOS chief executive Andy Hornby and chairman Lord Stevenson are to stand down from their posts. Have they done the right thing? Or should they have stayed on to see the banks through troubled times? Graham Stewart takes your calls, texts and emails.