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That may well be the case. As I said yesterday, I was a director of Coutts. I was also a director of NatWest, but well before it became part of the Royal Bank of Scotland. The IT systems at NatWest at that time seemed to have been written in the Stone Age and our ability to make any meaningful changes to the customer service provision was constantly obstructed by what was known as BOLT—I do not know what that stands for. The noble Lord is right that legacy systems supporting the sheer volume of data which a large bank requires are not simply lifted out. In the new world of smaller computers and systems it is probably not quite as difficult as it was for many systems, but it is precisely for that reason that we think it would be wrong to put a time limit into legislation.