Well, when I used the words "without fear or favour", I meant we were saying that whoever - big or small - was involved in contravening the Credit Act, we would act. That is the mandate to the NCR. As the hon Hill-Lewis said, enforcement, improved enforcement, is the priority right now.
If and when the NCR does come to us and tell us that they have resource constraints and that there are issues around that, we will, of course, try to address that. However, the decisions are not necessarily ours; they are also made through the broad budgetary process.
We are also discussing with them possible amendments, because I know that the declaration of reckless lending, for example, is quite a drawn-out process, where you have to go through debt counselling and then have magistrates declaring the transaction to be a reckless lending transaction. We will be very open to discussing ways of improving the enforcement of the provisions against reckless lending. Thank you.