I am not being critical when I say this, but does the hon. Lady really believe that a voluntary system will work? We are talking about money, about people and about the natural instinct of companies to hold on to their money for as long as they possibly can. In addition, does she agree that among the biggest offenders in creating cash-flow problems are the major supermarket chains in the United Kingdom? All hon. Members help to get planning approval for them, but it is between four and six months before they make their payments.