We referred fairly regularly to some of the issues raised by clause 13 when we discussed clause 12, and I am concerned about one of them. The Minister said that interest would be paid at a fixed rate of 8 per cent. That might not be a relevant or accurate figure at the moment. However, if the rate is to be fixed irrespective of the economic circumstances, there will be a bit of rigidity in the Bill, which it should not have. Did the Minister mean that the rate would be fixed or that it would be fixed at 8 per cent. for the moment? I sincerely hope that the rate will reflect that payable elsewhere. If not, there will be a potential loophole because it might be cheaper for someone with large sums to borrow money in that way rather than another. I sincerely hope that the Minister will correct me and say that the rate will be fixed for the moment. Otherwise, I hope that he will say that it will be variable and that he will explain how it will be calculated and how it would alter.