No, by the Government. I stress seriously that how the loans, the means test and the cap work together will affect who the Bill benefits—those at the top, at the bottom and in the middle. I do not think that anyone present is fully clear—I am happy to admit that I am not—about exactly who will benefit when all the different elements come into play. It is right that we scrutinise the Government’s legislation; the purpose of the Committee stage is go through things in detail. I hope that we have done at least some of that today.

We will think about what amendments we might table on Report, but for now I will sit down. I beg to ask leave to withdraw the amendment.