It is legitimate to debate this concern, but does my right hon. Friend agree that this is ultimately a low-cost loan? As he and the shadow Minister have already said, deferred payments have been around for quite some time, albeit not widely available in reality. Is my right hon. Friend aware of any circumstance in which someone who has taken out a deferred payment arrangement—in the whole time since their introduction—has later claimed that it was mis-sold to them? We might expect that assertion to have been made by now were it a genuine and legitimate fear.