We now come to another important clause in the Bill, which is about the deferred payment schemes: council loans to people who require care to help them pay for their residential care. Such loans are absolutely at the heart of what the Government claim the Bill will achieve. Hon. Members will have heard the Prime Minister and the Health Secretary say many times that the Bill will ensure that nobody has to sell their home to pay for their care. However, that is not true; they will have to sell their home to pay for their care, but after they have died. The Minister had the foresight to include the second part of that sentence, but when the Prime Minister and the Health Secretary regularly say that no one will have to sell their home to pay for care, that is not the case. They will—after they die—to pay off the loans.