The hon. Gentleman is unusually animated on this occasion, for reasons that I do not understand. I suggest that he asks the millions of council tenants who would never have become home owners but for the activities of the Conservative Government or the millions of people who now have savings, shares and pensions that are owned by them rather than held by a Labour Government, as they were in the past, on their behalf. We believe that, in the late 1990s, people should have the right to personal ownership for themselves and their families, and that is what we are building. We apply that to everyone, not just middle-income earners such as the hon. Gentleman.