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Financial Services Bill

The noble Lord, Lord Oakeshott, referred to the fact that his children were being inundated with offers of credit cards. My own children are being inundated with offers to support the local Liberal candidate in the constituency in which they live in south-west London, which just goes to show that we should regard anything which comes through the letterbox with some caution and scepticism. However, I would ask the noble Lord to withdraw his amendment. I praise his attention to and focus on this issue and do so in the knowledge that he will come back to it if he is not happy as the story unfolds, regardless of which side of the House he may be joining the debate from.