We need to do more to address the challenges facing first-time buyers, and I hope that the hon. Lady will welcome the increase in the stamp duty threshold, as that will be particularly useful and helpful. In addition, I remind her of the work that has been done on shared equity: we now expect 160,000 households to be helped into home ownership by 2010 through shared equity in various forms, and that is double the original estimate. We are making progress, although there is no doubt that more must be done. I am confident that, in the CSR, we will be able to announce steps that will help further.