As my hon. Friend knows, I have been concerned about unfair relationships, both from the consumer's point of view and from that of the reputable bits of the industry—for example, Nationwide and Barclaycard, which both have offices in Northampton. How does he intend to set out or negotiate the terms of the unfair relationship provisions? How would they be established? What lengths would the consumer and the industry have to go to in establishing whether a relationship was fair or unfair?