Dormant Bank and Building Society Accounts Bill [HL]

I am sorry, I was addressing myself to the amendment rather than to the concepts the noble Baroness was trying to tease out of me consequent upon that amendment. No wonder we are taking our time. I shall address myself to the amendment, which says that the fund should have no power to borrow. The noble Lord, Lord Hamilton, asked how on earth you could run an organisation of any seriousness with any significant resources without from time to time having to cope with issue of the flow of money and said that it is justifiable and appropriate for such an organisation to borrow. He is right. What he said is a direct answer to the amendment before the Committee, and I agree with him.