The hon. Lady tells me to sit down; that is a good way to work cross-party, if ever there was one. I will heed her advice, however.
I hope that the Minister will be able to respond to those few comments, particularly on leaseholders. This is an important issue for residents who have made small investments for their pension pots, or in lieu of a pension pot, and who may now be drawn outside the scheme. Other than that, I support the scheme and the amendments outlined by the Minister.