I shall listen with great interest to what my hon. Friend the Member for Northampton, North, has to say on the new clause. I have some reservations about it, but I should say on behalf of the Government that, in the interests of ensuring that the Bill is passed smoothly, I am happy to accept the new clause. It would leave the Bill intact and logical. There is also an advantage in ensuring that the effect on new lending is assessed before making the Bill permanent.