Dormant Bank and Building Society Accounts Bill [HL]

It just occurs to me that it would be right to ask a question of the noble Baroness. I am not trying to be clever about this but she seems to have a hierarchy of ambition in the sense that in earlier amendments she has suggested that all banks and all building societies should be able to take part in the alternative scheme. I was more modest than that when I talked about the 10 per cent versus 90 per cent thing. If the banks and building societies availed themselves of that, there would be nothing left for either the pension life boats or anything else that she is suggesting. Will she set out her hierarchy of ambition here, because it is very important to be clear? I know where I stand on this, but I should be interested to know where she stands.