Savings Accounts and Health in Pregnancy Grant Bill

I thank the hon. Lady for those ifs and buts. We can all hope for what might happen at some point in the future. The shadow Minister, the right hon. Member for Delyn, set out three reasons why Labour introduced the measure. It was about inculcating a savings culture, encouraging financial education and providing a nest egg. So, rather than assessing the measure against the legislation, let us try to assess it against what the shadow Minister said was important. There is no evidence that the fund has encouraged a savings culture. Many organisations that promote financial education come to me time and again to ask, ““Why didn't the last Government do more to promote financial education, particularly at primary level?”” In the average family, a piggy bank—