Does my right hon. Friend agree that, in contrast to the consensual approach that the Secretary of State talks about, housing associations are suffering uncertainty about their assets and have had their so-called 10-year agreement on rent disrupted? Because they rely heavily on borrowing from the markets, some of them—including the Genesis housing association—are saying that they are not going to build any more affordable homes. Others are revising down the numbers that they were going to build. This is happening as a result of this Bill.