I am very grateful to the Minister for giving way; I am glad to note that he is giving a speech similar to that which he gave the last time we debated Second Reading of this provision. Let us hope that the Conservatives and the Liberal Democrats stick to the position that they adopted before the general election. I want to push him on the issue of credit card cheques, on which he promised some movement. He will know that many credit card companies send people blank cheques, saying that all that they need do with such a cheque is to write in the figure and then cash it. Many do not understand that they might be entering into an agreement that, should they fall foul of it, could lose them their home. Will the Government try to ensure that the practice of issuing credit card cheques comes to an end?