Welfare Reform Bill

I am grateful to everyone who has spoken in this important debate. We are teasing out more detail as time goes on but I feel as though we are being asked to buy a pig in a poke at the moment. We really do not know any detail. Obviously we cannot write commercial contracts, as I think the Minister in another place said. However, we do not really know how these external providers will work. We do not know anything about the complaints procedure. We do not know what sort of financial advice the external providers will be able to give. Will they know about the benefits system and all the different benefits? That will be terrific training for them. They would have to study it in great detail if it was going to be part of the advice that they give, as I think it should be. Or will they simply toss everything back to the poor old citizens advice bureaux, as usually happens? There are a lot of questions, which will repay study before the next stage of the Bill. I beg leave to withdraw the amendment. Amendment 128 withdrawn. Amendments 129 and 130 not moved. Clause 15 agreed. Clauses 16 and 17 agreed.