We have had discussions with DWP colleagues, and I make two brief points to the hon. Gentleman. First, universal credit advances are available for new claims, and those should be taken up. Secondly, DWP research shows that after four months the proportion of universal credit claimants who were in arrears at the start of their claims had fallen by a third. So there is an initial problem, and the advance claims are there to cope with that, but over time the situation is improving.