Lay-offs are happening at scale, as I said, and hon. Members have mentioned the statistics. The Secretary of State for Work and Pensions has said that nearly 500,000 people have now applied for universal credit. I welcome, as always, the work that my right hon. Friend Stephen Timms and his Work and Pensions Committee have done in demonstrating the nature of the reforms that are needed to universal credit. We need those reforms rapidly now to be able to assist people and keep them out of poverty.