It certainly does not indicate that the Department is confused. Nor does it indicate that the Department is not bothered about the whole issue. What we have done, with the agreement of ACPO and the Association for Payment Clearing Services, is change the system so that instead of going to the police station and not being sure what response they have received, people will tell the banks when they believe that fraud has occurred. The banks will then determine whether it has occurred, collate the reports, and give them to the police. That means not only that people will be recompensed for losses they have incurred but that the law enforcement agencies will be able to detect patterns of criminal activity, as a result of which far more perpetrators of fraud will be caught and dealt with by the courts.