We will reflect on that point, but if one pays to collect a prize, what matters to the consumer is the payment, not who gets it. The provision in the Bill is adequate to cover such circumstances, as well as those of a scam. If there is any validity in the argument, I will come back to the hon. Gentleman. As the provision stands, it covers the scam and the genuine payment, but I will revisit the provision with my officials and come back to the Committee if we believe that it is faulty.