I congratulate the Minister on the introduction of penalty points. It is long overdue and has been a great success. Everybody can see the benefits when they are driving. However, the Minister might clarify two matters. If, for example, I borrowed the Leader of the House's car and I was caught speeding, she would get the penalty points because the car is in her name. How will the Minister deal with such incidents? Where the person driving the car is not the person who is insured in the car, how will the penalty points system be administered?