I can understand why my hon. Friend finds that confusing. As he has explained, he is not a lawyer.

In a genuine attempt to help the Government, I make a suggestion. Having listened to the difficulties that my hon. Friend has described, the Minister and his advisers should ponder whether, when the Bill comes to be reconsidered—or redrafted perhaps—clauses 13 and 24 ought to be combined, so that the two matters that relate to interest are included in the same clause. After all, the Government are always saying that they want to make legislation easier to read by ensuring that its language is nearer to plain English.