Thank you very much, Madam Chair.
Thank you, Madam Gill, for your bill. There's no question that you have the best interests of many of your constituents at heart. The bill is extremely well intentioned.
The issue, I suppose, is the devil is in the detail, as is very common with complex pieces of legislation. This is no doubt why, as you related, it has taken many years of discussion and we don't seem to be any further ahead.
The issue is one of balancing priorities. One of the issues that I think has been raised is that your bill would make it more difficult for companies with defined benefit pension plans to access loans, because lenders would have to assume a higher level of risk as their claim would be given lower priority.
Do you see this as a real risk?