Predictably, my hon. Friend makes a sensible point. Many pensioners are too shy to apply for the benefits that are available to them. Indeed, some may not have received their winter fuel allowance, and I urge them to take it up. There is a helpline, and I am sure that the House will not mind me reading out the number, which is 0845–915–1515. Help is available for pensioners and it is important that they realise that the minimum income guarantee is their due. It is not charity; it is their due. Many pensioners are not aware that, from April 2001, pensioners who have savings of up to £6,000 before their minimum income guarantee award can still receive the minimum income guarantee. The savings limit is to go up to £12,000. That is very important for every pensioner: the Opposition do not like it, but pensioners do.