Then we move to the other really substantial change in this piece of legislation, which relates to the time frames or limits that are allowed for either banks cancelling mortgages on commercial landlords or commercial landlords moving on tenants. This suffers from not quite as bad a problem as what the safe harbour legislation introduces, but the problem is that, if anything, it is going to undermine the basis on which the overwhelming majority of landlords and tenants in the commercial space have come to agreements that work for them. 