Further to the answer that the Leader of the House gave to my hon. Friend Paul Farrelly, may I urge my right hon. Friend to take up the cudgels again on behalf of the Consumer Credit Bill—something that not only is urgently needed in many of the communities represented by hon. Members, but was debated fully in Committee? Indeed, we set aside eight sittings for debate, but we only used four of them. So it seems clear not only that there is unanimity on the proposals, but that the Minister for Employment Relations, Consumers and Postal Services, who ably led the Bill through the House, managed to give satisfactory answers to all the queries raised by hon. Members on both sides of the House. It would be good to see that legislation in place.