What we want to make sure of is that there is fair trade between institutions and their customers, and Mr Hudson raised the point. He said, "Was there any evidence, really, that, in fact, there had been problems with financial institutions, and, in particular, the financial institutions of the sort that are being dealt with in this bill?", and the answer is yes, there have been problems. In particular, there's some really interesting evidence around so-called soft commissions. 