Normally, I would say that the State should not interfere with the private arrangements of purchaser and provider, but I am going to suspend that philosophical view on this bill because, actually, I think unless there's a circuit breaker, this will continue to be free money for banks, because, as I say, the reason for having the fee in the first place has long since passed. There's a small fee maxima in here. That makes sense. I hope—well, it is a forlorn hope—that the Government doesn't take this as carte blanche to interfere with other transactions between willing buyers and willing sellers. Indeed, they're already doing that. They're doing that in private contract law between landlord and tenant through the omnibus bill and COVID-19, and a plethora of other unnecessary State interventions on private transactions. But on this one, I can see the need, if not the merit, for doing so.