I hope that all parties will take that point on board. The tone of the debate—which has shown the Parliament at its best—has been measured and considered so far, and I hope that the minister will take seriously the points that have been made in his response and that he will come back later with his views on the substantive points that have been made.Christine May and many other members have discussed the social consequences of debt, which most members are probably familiar with as a result of their day-to-day experiences.