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The hon. Gentleman anticipates me. I was going to remind the Committee that, on Second Reading, I said that I hoped that the Government would consider the case for a targeted subsidy for home owners that would assist people on low incomes to buy their own homes. I have been influenced by the detailed work of Shelter, which has campaigned so well over the years for people who do not have access to decent housing. There is a need for targeted assistance, and I hope that the Government will seriously consider it. The implication is that ultimately I want this untargeted subsidy to be abolished.