I congratulate the hon. Lady on securing the debate. Universal credit was rolled out in my constituency in September, so it is fresh to us. My staff went on a reminder course to learn how to do it, and one of the key issues that has come up is the very issue that the hon. Lady has brought forward. We are new to universal credit, but split payments—especially in a home where one partner might have a mental health issue—are simply a must. Does the hon. Lady agree that rather than having to apply for a legal power of attorney, we need the Minister’s Department to apply discretion in allowing split payments to be part of the system? They have to be part of the system; if not, it is unfair.