The interesting thing about the fertility figure, which the noble Baroness rightly mentioned, is that it is partly about people delaying when they have children and partly linked to the factors that she mentioned, including housing. So a priority for us is attacking housing by making more housing available for young people, which is very difficult. The fertility rates are themselves a problem, but not one that is confined to the UK; I used to work a lot in Korea, where fertility rates are horrifically low.