This debate raises some important issues. I am sure that all noble Lords will take the view that, for the generality of members of a bank's pension fund, protecting the fund should be given a high priority. However, there is a difference between the generality of a bank's staff and some of its more highly paid members. Under Clause 20, we discussed the situation in respect of directors, but I think it is the case that, with regard to some of the banks which are now in most difficulty, those who acted in the most reckless fashion and lost billions of pounds were not necessarily directors. They ran a unit of the bank but were not technically directors. Therefore, would this clause enable their huge pension entitlements to be curtailed to reflect the losses that they have run up?