I'll just comment briefly on the credit contracts Act legislation being brought into force earlier. As a member of the Finance and Expenditure Committee, I was heavily involved in that bill being made, and I have to say my judgment was that the Government made a call that was wrong to ignore all the advice it had previously received that capping rates of interest would not actually achieve what it wanted, because there were so many workarounds. All it would do is make loans more administratively burdensome and not actually reduce the interest charged, and that's been the experience of the UK. I don't really understand why. Some unkind people might say that for political expediency, the Government abandoned that advice and introduced it, but I don't think it's a very good bill, and I'm not sure that it's going to have the effects intended. But it was going to happen anyway, so we support it in this instance. 