Those explanatory notes; do not you just love them, Mr. Gale? I am grateful to my hon. Friend the Member for Wolverhampton, South-West for taking us back to the notes. I confirm that the answer to the hon. Gentleman’s question is all premiums. I am sure that my right hon. Friend the Paymaster General would want me to give him that reassurance and clarification.

Reaction to the measure has been positive, and the general view is that it is a proportionate and targeted response.