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I am grateful to the hon. Gentleman. I will wager that I have marginally more to contribute to the exchange between us than he has to offer in reply. The hon. Member for Workington (Mr. Campbell-Savours) referred to white Wednesday. I can state beyond peradventure that, in the context of the interests of home owners, I would not wish to see a return to the extended recession mechanism, but will the hon. Member for Croydon, Central (Mr. Davies) tell the House whether, in his judgment, re-entry to the extended recession mechanism would assist or hinder home owners?