We know this because we spoke to the banks, and they said quite clearly that this is a red flag and they are unlikely to lend on this. Now, when I took this to officials and brought it up with them in select committee, they said to us, "Oh, no, it's fine. It'll only ever be driven by the applicant—if there is a change driven by the applicant." So I drafted Supplementary Order Paper (SOP) 182, which goes directly to this and, basically, says that if that is the case, and if what the officials are claiming is true—that it will only ever be driven by the applicant—then let's put it in the bill.