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I must congratulate my right hon. Friend the Secretary of State on being so proactive in responding to this shocking discovery that Thomas Cook did not properly insure so many people against injury while being on a Thomas Cook holiday. Am I right in thinking that there would have been no way in which this would have come out but for the collapse of the company? If it turns out to be the case that the company was not breaking any existing rules, regulations or laws by behaving in this totally irresponsible and inhumane way, will it be possible to make a change in the law to ensure that this can never happen again?