There is a wide variety of areas at which we need to look. The point raised by Senator Maurice Hayes is important. I am not sure that his proposal regarding a person's judgment could be easily phrased. I agree with his point that the majority of directors of large companies, some of whom are my best friends, are not necessarily fat cats out to screw the consumer. It is inappropriate to suggest this – it was indicated earlier – and to do so is to misrepresent the focus of the Bill.