---

Welfare Reform Bill (Programme) (No. 2)

I look forward to reminding the hon. Gentleman of that comment in September 2013. The intention of universal credit is that work should always pay. Without decisions and policies on child care or passported benefits, we cannot know whether work will always pay, and all the indications are that the Government will in due course, when they finally put a policy together, introduce one that will mean that for many work will no longer pay. On savings, I am afraid that the Government are heading to crush the hopes of many people in work. On the self employed, the Government will crush the hopes of many who want to set up their own businesses. As Policy Exchange recently argued in its report, universal credit has been oversold by Ministers. I very much hope that the House will support our amendments so that universal credit can support the aspirations of families across the country.