I understand what the Minister is saying, but we feel that there is a tendency to be complacent. We see today from the Daily Mail shocking statistics showing a sharp increase in the number of people falling behind in their debt repayments. Credit card arrears and bad debts are growing and bankruptcies and home repossessions are up by a quarter. Appeals to the consumer credit counselling service are up by 60 per cent. since last year. Although most people are managing, there is evidence that a significant and growing minority are unable to manage.