Consumer Credit Bill

I am grateful to my hon. Friend for that intervention and he is right: one key issue with all such legislation is ensuring that we think through its implementation. Sadly, that skill seems to be lacking on the Government Benches, but I have every confidence in the Minister and, hopefully, he will be able to shine in the darkness of his colleagues’ abilities. However, we shall see. I am a generous soul and I am always happy to give the benefit of the doubt on these matters.