I hope that that will not be the case and that the alternative dispute resolution process will operate first and resolve the issues. When issues go to court, clearly the court will test the position. However, there will be advice, and the Office of Fair Trading will offer guidance on the issue. The unfairness test is already within the sector and parameters already exist, but I do not want the terms of the Bill to be restrictive. My right hon. Friend is right to suggest that the unfairness test is a lot lower bar than the extortionate credit test, which hardly anyone ever got over. We are now in a better position.