I certainly agree that housing associations do fantastic work in providing homes for social rent as well as shared ownership homes, and we work in partnership with them. We are aware of the many pressures they are under. The hon. Lady says that they need certainty and stability, but that is why it would be so damaging if there were a Labour Government with their £28 billion black hole, which would mean either more borrowing or tax increases, and higher interest rates for those aspiring to get on the housing ladder. That is why we should stick with the plan rather than going back to square one.