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Savings Accounts and Health in Pregnancy Grant Bill

Does my right hon. Friend agree that another example of the fundamental difference between what we would have done in office—indeed, what we did do in office—and what this Government are doing today is the disgraceful sop we have heard from the Minister today replacing the child trust fund with a tax-free account, which as we all know will do absolutely nothing substantive to encourage saving among low-earning families, as the trust fund was doing? That is the real business we are debating today, and I, for one, think it is a mistake and a disgrace.