I thank my hon. Friend for his patience in giving way. All hon. Members know of his dedication to this issue: he is a champion of the consumer. Will he consider the possibility of linking interest rates to borrowers' earnings? I hate to labour the issue of capping interest rates, but a line must be drawn somewhere. After all, there are caps on speeding. Drivers try to get around them—they have all sorts of devices to spot speed cameras up ahead—but the fact is that those limits exist and drivers are hammered if they are caught breaking them. Obviously, lenders will try to get around the legislation, but they should know that they will be hammered if they get caught. That is the interesting feature about those caps.