Saving Gateway Accounts Bill

If my noble friend and the noble Baroness will allow me, I should like to comment because I did not take part in the earlier discussion. I would welcome such a letter if it were to address the situation of, say, someone from Poland who is working in the building trade here and whose wife and children are back in Poland. His earnings are such that he does not qualify for working tax credit but he qualifies for child tax credit, which is an exportable benefit. For these purposes, is he resident in the United Kingdom and therefore eligible for the saving gateway scheme? There are issues which I accept are almost impossible to untangle. Given that that is a high value benefit, it is of some concern.