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Saving Gateway Accounts Bill

I accept the hon. Gentleman's point about whether the accounts will pay interest, but the important thing is that there should be an incentive for people to start saving. If a 50 per cent. bonus is available, and even if in the first two years no other interest is available, that will be an incentive. If people wish to obtain a return after the two years have elapsed, they will have a fund of savings that they can put into an account that offers a return. The essential point of the initiative, however, is to give people the incentive regularly to start putting money aside. Will the hon. Gentleman at least concede that the Bill provides that incentive?