My hon. Friend makes a very important point that Labour Front Benchers are considering in detail.
The Opposition have serious concerns about the policies in the Bill, as I have outlined, and I hope that the Minister will respond to my various queries. However, as I have confirmed, we support the overarching aim of encouraging people to save at a time when they are not doing so. There is significant room for improvement in the Bill, so we will try to amend and improve it as it makes its way through Parliament in the coming weeks to try to alleviate some of our stakeholders’ concerns about the possible effect of the lifetime ISA and the help to save scheme.
5.34 pm