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I understand that the hon. Gentleman is concerned about the shortage of housing. Leaving aside the question of who caused that shortage, there are two things to consider. First, why will all the Government’s proposed affordable housing be set at 80% of market value, which will not be affordable and will simply increase the housing benefit bill? Secondly, no matter who caused the shortage, if the houses do not currently exist, rather than suddenly applying the proposals to everyone, would it not have been better to have accepted the House of Lords amendment that stated that people would pay only if they did not take up a reasonable offer?