My hon. Friend is right that the usurious rates charged on credit cards can trap people into high levels of debt, as may the high overdraft fees and interest rates that have recently been introduced. It is a serious matter. I am sure that the banks are aware that the rest of the country is doing its best to help, and they will note that they received a lot of help in 2008. I am reminded of a parable about that, but time does not allow.