I will of course talk to my hon. Friends at the Department for Work and Pensions, so that they reply specifically to the hon. Gentleman, but my understanding is not that the changes to universal credit rule out the possibility of direct payment, but merely that it is important that they be assessed and examined to ensure they are appropriate. Wherever possible, we want those in receipt of universal credit to feel like they are in work. We do not want to change the sense of that, so that they get their pay and it is their responsibility to live within their means.