Amendments Nos. 176 and 177 form a composite proposal and may be taken together. Is that agreed? Agreed.

I move amendment No. 176:

In page 37, subsection (2), line 38, to delete "total cost of credit" and substitute "hire-purchase price".

These amendments are similar to amendments Nos. 172 and 173.

I move amendment No. 177.

In page 38, subsection (3), line 1, to delete "total cost of credit" and substitute "hire-purchase price".