What we are saying is that someone with, say, £20,000 in the bank—they may want to pass on those savings to their children—might be living off the interest on those savings, which does not actually provide that much per week. That is the point raised by David Lipsey in the House of Lords. It goes back to what Andrew Dilnot said. The Government have constantly said that they are putting in place what Andrew Dilnot and the Law Commission recommended, but Andrew Dilnot said that the loan should be universal. If the care Minister wants to disagree with what Dilnot recommended, he should say so. We are questioning why he has changed the fundamental principle of a universal, all-in system.