I know the Minister clearly feels passionately about this matter. He is many things, but a mind reader he is not, so for the record I want to say that his assertions about what I think are wide of the mark—he has no idea about that.

Let me go through things in turn. First, on amendment 104 and a model scheme being available, that is important and I welcome hearing about it. On the point about interest counting towards the cap, it is important for that to be spelt out clearly, not only in the fine print of a consultation document, but in the advice given: councils must be required to tell people that they will be charged interest and how much it could be, so that they can make a decision about the loan.