I am at a loss to understand why the Minister of State and his advisers refuse to accept the change I seek to introduce, that is to insert "and the quality and the cost of the service to the consumer" albeit that it is already comprehended within the Bill. Why not be doubly sure and doubly safe? This is innocuous enough from the point of view of inserting what would seem to be two further sensible areas of assessment by the authority, that is, to ensure that as well as establishing the monetary and credit problems and examining these, it would also examine the quality and the cost to the consumer. Those are my final comments.