Saving Gateway Accounts Bill

I am grateful to the Minister for setting that out. I shall carefully consider what he has said when I read it in Hansard and consider whether the differences between the two ways in which to treat an individual—because there can be a penalty on an individual under either subsection (1) or subsection (2)—is adequately dealt with by his response. For the time being, I shall take it on trust that it is adequate and I beg leave to withdraw the amendment. Amendment 46 withdrawn. Clause 19 agreed. Clauses 20 to 24 agreed.