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For many people, that will be simply impossible without a commercial loan. Will all banks be willing to risk putting up cash when many students have no guaranteed traineeship?
Also, we have to be clear about the difference between bank and agency nurses. Bank nurses are NHS nurses who do extra shifts through the bank, as opposed to via an agency that takes an element of funding for its services, which raises other issues.
It has been argued that we know the date when the bedroom tax kicked in and the patterns of rent accounts prior to that date, so we will know what changes there are to them after that date.
My message is that to do it maƱana is not acceptable. We want a time and a date and we want to know how it will be delivered and that it will be monitored in a way that ensures that it happens.
I know that quite a lot of member states feel that there is no logic in using 2011 as a start date or threshold date. That is what I was reflecting on.