Saving Gateway Accounts Bill

I apologise to the noble Lord; I should have answered that question before. It is possible to extend the scheme—Clause 4(2) provides for that—but, in launching a scheme with many attendant difficulties, we are concentrating on making it effective. We are therefore concentrating on the scheme as set out, with a two-year period and the given level of support. We have elements of flexibility in the Bill, but the noble Lord cannot expect the Government to give the scheme extensively greater possibilities when we must get it launched with the full confidence of the providers and guarantee that it will be effective for those who are intended to benefit from it. That is why I emphasise rigidities in the scheme, while reminding the noble Lord that there is some flexibility on the point that he raised.