I think the silence is very telling. In the dying days of the last Labour Government, Labour finally, after 13 years of waiting, came up with a scheme. It was a crazy scheme, and I suspect that in her private moments the hon. Lady agrees, but none the less the scheme included a universal right to a deferred payments scheme. Do you know what? The assessment provided for a threshold of £23,000, or whatever the amount was subject to price rises. It appeared to be right for Labour’s deferred payments scheme; why is it wrong for this Government’s deferred payments scheme? I am happy to give way on that.