Does my right hon. Friend agree that shared ownership is one of the most affordable options for low and middle-income families? Indeed, Shelter says that 95% of those families would be able to afford a three-bedroom home with shared ownership. Does he agree that this Bill is a huge missed opportunity for a big shake-up in this area? It is exactly the sort of thing on which we should focus if we want more people to be able to own affordable homes in future.