I also offer my hon. Friend a word of congratulation. We have struggled to get this Bill; we got far with it in the last Parliament and we are back again. We are trying to improve the law after 30 years of the 1974 Act, which was crippled by the use of the word "extortionate". Nobody could define the term, so there were no extortionate lenders and only 31 cases were brought in all that time. What worries some of us is that the unfairness test will remain as vague and will not result in cases being brought forward. Does he anticipate a test case setting the ground rules, or will individuals have to try to get to court to test the provision every time?