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Saving Gateway Accounts Bill

My right hon. Friend has been generous in giving way so early in her speech. On the basis of the figures she has given, she is making a very clear case that the Bill is a desirable and significant measure. It is certainly a simple measure, but is she happy that the eligibility criteria are wide enough? The Treasury impact assessment suggested that £130 million in the accounts would be doubled up by the Government to £260 million over a two-year period. That £130 million a year represents about one five-hundredth of the additional retail banking deposits in 2007, for instance. If the scheme is to be commercially viable, should not the criteria be widened beyond the groups that she has described?