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I am extremely grateful to the Secretary of State for giving way again. As he will remember, one of the issues that arose from the fire in Barking was the fact that none of the leaseholders had household insurance, so when they lost all the contents of their homes or the contents were damaged they had no recourse to insurance to replace them. Is he giving any consideration, in any of these reforms, to introducing a system whereby not only is building insurance imposed on leaseholders—presumably in social housing that would be covered by the local authorities—but victims of fires do not end up losing all their belongings and having no money with which to replace them? These are people on the edge who really are finding it hard to manage.