No, my hon. Friend is right. It is true. The Government have made a virtue of the fact that it costs only I p to transfer the money from the Department of Social Security to the BACS system. Apart from that, the Government have given no explanation of where the funding is coming from. There is certainly insufficient funding to make up for the loss of £400 million, which will be lifted out of post offices' revenue. That is where the problem is. The Government have made a Treasury-initiated decision. They do not have a clue how they will fulfil many of the pledges.