There is nothing like the Labour party when it comes to wallowing in other people's problems. The fact is that we still have more people moving into home ownership than are facing difficulties from home ownership. We intend to extend home ownership, which is part of our policy of achieving a sensible housing market in which home ownership, private renting and social housing have their proper roles to play. The Government have introduced that creative scheme. The Opposition have no creative policies except for the use of capital receipts, but they will not even tell us during what period they will be spent. I hope that the Leader of the Opposition will spell at least that out next week.