Does my hon. Friend agree that a Dilnot-style proposal would reward and incentivise people who had not saved or used financial planning to pass their assets and savings on to relatives or to trusts? A German-style social care premium would be a much fairer system. We would all pay a small amount to cover those who were hit by the catastrophic costs to which she has referred. When she makes proposals, will she include perhaps two or three, including a social care premium, so that we can have a proper debate on this important issue and try to achieve cross-party consensus?