It will in some respects but not in every respect. However, the work of the Financial Services Authority, combined with the banking code, should resolve some of these problems. I shall return to the question of interest rate caps and hidden charges. We are trying to establish a transparent process through which the borrower knows exactly what the charges are and when they kick in. Indeed, the annual written statement enables the borrower to understand their position. This is a wake-up call to those in the industry, to ensure that unscrupulous ones cannot operate those hidden charges in the way that some of them have done in the past.