I accept what the hon. Gentleman said about the ambulance-chasing culture. The reality is that students will pay an increasing amount towards their higher education and it is possible that the sums involved will be significant. If OFFA agrees a plan under regulations set by the Secretary of State through HEFCE, will the Minister assure us that the Government, as the controller of the plan, rather than the institution, will indemnify any action taken by an individual student against a university in relation to the plan?