My Lords, I am sure the Minister will remember whether she took part in our debates in drawing up the legislation on HIPs. It was said then that HIPs might be very good in a rising market but not very good in a falling market where people were having difficulty in selling. Unfortunately HIPs have not helped anyone and people are generally in disfavour of them because they feel that they are of no benefit. What can be done to reduce the extra burden placed on those wishing to sell now? It is all very well to have a HIP but, as has been said, they last for only a certain time. On the other hand, if it is more than three months old, it will rarely be accepted by a building society, bank or another solicitor and they will require it to be updated. What can be done about that? HIPs are not effective if they are not effective for the duration.