I thank my hon. Friend, who has been a champion of plans for jam jar banking. It is a fantastic idea, because we all know people who, even with the best will in the world and the best financial education, are not fantastic at handling money—that is true of many of us. At times of distress, such as death, family breakdown, partnership break-ups or unemployment, they can quickly be overwhelmed. Products that can help people manage as well as possible on limited money give the consumer power. As I said, we need to ensure that the consumer is in the driving seat. If we can do that, the market will respond in a way that is better for the consumer.