Lord Faulkner of Worcester 835. In our case it will not add a great deal, frankly, we are underwriting our customers at the moment. What it will do is act as a very important release valve for our customers. There is an independent review by the Ombudsman. I think as e-commerce grows for us it will be less important.
Practice varies from card company to card company.
I imagine that there will be other card companies where a harder line is taken in terms of dispute resolution, in which case the Ombudsman is rather important. Lord Woolmer of Leeds 836. Can I return to something you said earlier on, it clashes with something in my mind from earlier evidence. I am in some difficulty in giving you a complete answer to that, the reason is there is no accurate method of measuring e-commerce turnover at the moment. At the moment we do not have an industry method of identifying what is a genuine e-commerce transaction.