The Minister of State is right in that there is much we agree on and I have been working on this for quite a number of years. He said he would like to see interest rates reduce as much as I would. I do not believe that is the case because, if it were, he would not be proposing an APR of 129%. However, I am going to give him the benefit of the doubt. He can vote for my amendment, which would reduce the interest rate.