I will make a little more progress, and then gladly give way again. As I was saying, schedule 1(b) means that housing benefit for people in work will be cut in real terms as well. We will return to that when we speak to amendment 17.
The change in the personal tax allowance, which we have heard a good deal about, will not do very much to help people who are in work on low incomes. Citizens Advice points out that
“any rise in net earnings leads to a reduction in housing benefit and council tax benefit.”
In addition, of course, the change will do nothing at all for people who are out of work.