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Amendment of the law

This is an important point, and all Members will have encountered constituents who raise such concerns. Does the hon. Lady agree that it is important that people with modest savings whose income from those savings has decreased should look at the changes to the capital arrangements for pension credit? It is, of course, just the income that is taken into account, but nevertheless a raising of the threshold will have a huge impact, and some people might look at pension credit as being a sensible way of supplementing their income in the current difficult circumstances they face, even if they do not like claiming benefits.