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Saving Gateway Accounts Bill

I am grateful to my right hon. Friend, who is always very generous. With reference to the question asked by my hon. Friend the Member for Edmonton (Mr. Love), may I urge the Government to look at some inventive ways of reaching out to people? We all recognise that the Government have difficulty reaching the sort of people who one hopes will enrol in this scheme, whereas doorstep lenders, some of whom are sharks and charlatans, seem to be able to reach people on the estates. They are able to manage weekly collections and so on, and the Government, with all their resources, should be able to do the same, if they could be a little more inventive. May I therefore urge the Minister to adopt a certain level of inventiveness, and to use mechanisms such as credit unions as well?