---

Dormant Bank and Building Society Accounts Bill [HL]

Before the noble Baroness sits down, will the Minister answer this point? Before we get much further—and we may have another day or two left on this yet—we were told that the BBA and the BSA had been researching this issue for years before we reached this point. Surely they have something in mind. I would have thought that the simplest thing would be for a company to be founded that was owned, either through shares or by guarantee, by those two bodies or by the various banks and building societies that joined the scheme. Or are they looking for Ladbrokes or Richard Branson to form a company and offer it up? Surely there must be some idea of what is in mind for this company?