I hope that the hon. Lady will consider the point that I made on subsection (10). As for the issues raised about debts and subsection (3), under subsection (4)(a), a short-term debt is included in this subsection if it ought to have been discharged
more than a year before commencement.
Does that mean commencement when the Bill becomes an Act or is it some other commencement? It cannot be the commencement of the loan because that would mean repaying it before it was made, so presumably it is the commencement of the Act.