My Lords, I have been sitting here working out what on earth I could say that would add meaningfully to this fantastic debate. I particularly commend my noble friend Lady Lister, who has always been a stalwart on these matters.
This has taken me back to the Welfare Reform Bill, as it then was, and the endless but pointed debates we had about the problems that were being stacked up by the system being introduced. I remember that at one stage, the Minister complained that food banks had built up because they were a “free good”—which perhaps reflects a bit on how the system was viewed.
It is time for a fundamental review of the system. We have enough expertise in your Lordships’ House, let alone in the other place. We have heard a good deal of that today and we need to build on that. I hope the Minister will support much of what she has heard from noble Lords today. From my point of view, as someone who is rather out of date on these matters, it has been a privilege to listen to such powerful presentations.