Ms Derville Rowland:

I agree. Some elements of this legislation, however, are only passing through the Houses now. I refer to making sure we have an aligned approach. I will mention that protections are already in place for vulnerable customers in legislative frameworks. The policy framework in Europe is certainly focused on thinking about any special protection for vulnerable customers who might have authorised a payment that then turns out to be a deception. I refer to regulated entities that do not discharge their own obligations in their systems of control and supporting people to get their money back, etc. They have a role to play in this area too.