My right hon. Friend chaired the Treasury Select Committee and I am grateful to him for the work that he and his colleagues have done on this issue. There is a team effort across government and across Parliament to ensure greater transparency on all these issues, and I undertake to continue to work with the industry in that regard. We wanted to introduce the Bill early in this Session in part because of the consensus that the industry and the various consumer groups reached on many of these issues. We have tried to maintain that consensus, and I agree with my right hon. Friend that we need to work with the industry on data sharing, for example. We will continue to do so.