There is a hiatus in the words of the Amendment. In an Amendment which I put on the Paper I sought to have the attention of policy holders called in every case where policies have been taken out since 1st January, 1924. The Amendment of the learned Attorney-General limits the obligation upon the insurance companies to any house at which a collector pays a visit for the purpose of receiving a premium. Considering that more than five years have passed since 1st January, 1924, is it not quite possible that some of these policies may have lapsed from non-payment of premium, and that therefore the insurance agent will have no reason to call at the house? Under the Bill all policies on which a certain number of premiums have been paid have a surrender value. There may be a considerable number of lapsed policies, the holders of which will never have their attention called to the fact that under this Bill they have rights and can get other policies in the place of those that have lapsed, even if it is only a question perhaps of a year's or two years' premiums. How will the Amendment cover the case of policies that have already lapsed?