I oppose these amendments, particularly Amendment No. 2. I declare my interest as chair of the National Consumer Council. As the noble Lord, Lord Newby, says, we are in a period of uncertainty. None of us wanted to be here and no one on any side of the House welcomes the situation we are in, but in a time of uncertainty, what possible justification is there on the grounds of equity, morality or economic management for depositors with building societies to receive significantly less protection than those with banks?