The Bank told us that in developing the pilots, it wanted to try to understand and define problems that it thinks will be most common across the local authority landscape, such as financing heat networks, zero-emission buses and social housing retrofit projects. The Bank will then find the most capable local authorities already working on these problems and work with them to develop a proposition that it could then “replicate across other local authorities”.55 This approach has led the Bank to focus its three pilots on larger local authorities. We asked the Bank why it was not giving advice to smaller authorities. The Bank said it did not mean to suggest it was restricting access to the smaller authorities, but “the reality is that we do not and will not have the resource to cover them effectively”. It told us that it has started with larger authorities because it thinks it will learn lessons there quickest, and the challenge for the Bank would be “to figure out how to get that to the smaller authorities in a way that is usable and useful to them.”56