Indeed. My hon. Friend makes a very good point, not least because he declared an interest. I am not sure that he needs to declare an interest unless he is to be involved with a new established charity, but it reminds me that I ought to declare an interest as a trustee of Credit Action, a charity that provides debt advice and education, and of the Consumer Credit Counselling Service. Neither is a new charity, so that may be slightly otiose, but it would be helpful if the Minister addressed those points.