Dormant Bank and Building Society Accounts Bill [HL]

I have followed this debate as best I can. There are two areas. The first is competence, and the Minister has indicated that there is every expectation that these people will be competent and that everything will be done properly and competently. He has no fears on that front. The other issue is how judgment is dealt with. It seems to me that, particularly in year one, the directors of the board will have to exercise incredible judgment about how generous or parsimonious they are. In year one, they will see whether many people endeavour to reclaim. Then there will be year two, and we will see accounts of what is happening year after year. Is the Minister concerned that the board, as judged by the Treasury, will be seen as too generous or too parsimonious? If we take the view that they cannot be other than competent, that is the only issue.