Dormant Bank and Building Society Accounts Bill [HL]

I thank the Minister and the noble Lord, Lord Shutt, who is right that it is a question of judgment. The judgment of the reclaim fund will be set against the judgment of others, like the smaller banks and building societies that do not want so much kept back, or it might be the judgment of the Treasury and/or the Financial Services Authority. The latter might incline to greater prudence in holding money back, while the Treasury might be keen on more money flowing through to the Big Lottery Fund. I was trying to tease out who will actually make those decisions. I accept that precise percentages cannot be given today but, based on what the Minister has said, I am not much clearer about the actual process for determining them. The Minister said that much work remains to be done. I hope we do not hear that throughout Committee. The scheme has been a long time in gestation, and to be told that much work still needs to be done is not a satisfactory response. I will let it go this one time, but I hope it does not become a constant refrain from the other side of the Committee. I beg leave to withdraw the amendment. Amendment, by leave, withdrawn. [Amendments Nos. 13 and 14 not moved.] Clause 2 agreed to. [Amendments Nos. 15 and 16 not moved.] Clause 3 [The assets-limit condition]: [Amendments Nos. 17 and 18 not moved.] Clause 3 agreed to. Clause 4 agreed to. Clause 5 [Functions etc of a reclaim fund]: