I apologise for missing the first few seconds of my hon. Friend's speech, and I congratulate him on retaining the skills that he displayed in the Whips Office and on ensuring that this Bill was discussed at earliest possible moment. Will he make it clear to the House that the proposals on retrospectivity are still contained in this Bill—a fact that will be of great concern to those who have been through the process, but who were still the victims of extortionate loans? Will he also leave a little leeway in his thinking? The Meadows case, which gave rise to some of the thinking behind the Bill, comes up for appeal on Monday, so we might need to build in some slack, depending on what that judgment brings.