The hon. Gentleman is stealing my thunder, because I will come to that point in my recommendations, but I accept that he has done the hard graft and I am just a mouthpiece.
In the month before this debate, I received many representations that confirmed not only a willingness to engage with Government and Parliament but a worry that the proposals in their current form do not achieve their objective. I am happy to share all those representations with the Minister. The National Housing Federation, which represents English housing associations, has expressed concerns. The Chartered Institute of Housing has emphasised that the stakes are very high and that if we get this wrong, the implications for the public purse—not to mention life chances—are frightening.