My Lords, as to the first point, my late husband used to say that one should be aware whether people like compliments to be forehand or backhand. I believe that the noble Lord's question counts as "backhand". I take the point about complexity. That is one of the reasons why we have, with some prodding by the journalist Peter Kelner, simplified our income support form. The current form for pensioners has been reduced from 40 to 10 pages and is in big print. I believe that that will help to overcome some of the complexity of claims. The basic point is that one can either give all pensioners the same money or target the poorest. As a result of the Government's policies, the younger, poorer pensioner couples--those on MIG--have seen their real income increase by 30 per cent--I repeat, 30 per cent. We take a great deal of pride in that.