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Budget Resolutions and Economic Situation

I am grateful to the Paymaster General for making that point, but I correctly said working tax credit, rather than child tax credit. It is a fact that the take-up of working tax credit is much lower than the take-up of child tax credit. From talking to many of my constituents, the reasons for that are clear. They have low incomes that often fluctuate. Because of that and the way the system works, they end up owing thousands of pounds, through no fault of their own. When they get—