Thank you, Presiding Officer. We covered the matter to a great extent at stage 1 and I submitted an amendment at stage 2. I support what Mr Sheridan and Mr Brown have said. Although I do not agree that not freezing contractual interest would cause a debt arrangement scheme to fail—that is over-egging the pudding somewhat—I believe that it would damage it. I hope that the Executive will reflect on the comments that have been made at stages 1 and 2 and support Mr Sheridan's amendment 36. I understand that Robert Brown is thinking of not moving amendment 45. If the Executive were to support Mr Sheridan's amendment, we would go some way towards achieving what many members would like to see.