I hear what my hon. Friend says, and I do not entirely disagree with him. It is one of those issues that will become clearer as we discuss it further in Committee. Like the industry and consumer groups, I am prepared to listen to what hon. Members on both sides have to say. The last change to the law was 30 years ago, so this may be our only attempt to get things right. I want to get them right and make sure that vulnerable people are not exploited. Clearly a large percentage of the industry operate in a proper manner, but there are those who do not. We have to make sure that people are protected. We will have a thorough debate about the concept of unfairness. I resisted that temptation on numerous occasions during the previous process on the Bill. We shall see how we go on in the future.