My Lords, I have had a number of discussions with lenders, including a round table in June, to encourage them to take a more proportionate approach to risk in this regard. We recognise the points that the noble Baroness raises. However, I would say that, a number of times, we have seen buildings remediated through warranties, but also through building owners stepping up and paying for that remediation. Finally, we have asked Michael Wade, a senior adviser to the department, to look at ways of making remediation costs affordable to leaseholders if they do fall on them.