The hon. Gentleman will be well aware that most of the argument on whether terms were unfair concentrated not on terms of enforcement on the poor, but on things such as late payment fees for credit cards and the mis-selling of payment protection insurance and gap insurance. Those are major sources of revenue for big firms—credit card firms in particular—and cause enormous annoyance to consumers. Why should the courts not be able to interpret what is unfair or fair in such circumstances? Has he no faith in the competence of the courts?