I accept what the noble and learned Lord says, of course. His experience of the OFT is greater than mine. However, the Office of Fair Trading is what the noble Lord, Lord De Mauley, has asked for in this amendment and we are happy to concede on that, if that is the appropriate word. I may not have hoped for raptures from the Committee, but I had hoped at least for an acknowledgement that the Government were going some way towards agreeing with the noble Lord in his amendment by saying that the OFT will publish an annual report assessing any competitive implications of Northern Rock's business on the banking market. Therefore, I give the noble Lord that commitment, which I hope is what he needs, and argue that his amendment, for which we are grateful, is unnecessary.