sentences:  As executive responsible for NatWest's card business, he led the team which invented Switch, the UK's debit card scheme.He led the NatWest Group immediately prior to its takeover, by the (then) relatively small Royal Bank of Scotland.In 2002 he carried out a review of the future funding of the National Health Service for Gordon Brown, then Chancellor of the Exchequer and in 2007 carried out a further review for the King's Fund.