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Saving Gateway Accounts Bill

I am in favour of targets when they make government departments deliver things that they might not otherwise deliver. I, of course, understand the points that the noble Lord made. The whole purpose of tabling the amendment was to flush out the need to get these notices out relatively quickly in order to reinforce the beneficial effect of having a saving gateway account. I urge the noble Lord to take back to the Treasury the possibility that targets should be set in discussion between the Treasury and HMRC because if this is allowed to go the way of other HMRC matters, the Government might not achieve the result that they want. I beg leave to withdraw the amendment. Amendment 4 withdrawn. Amendment 5 not moved.