The hon. Gentleman is absolutely right about that, although perhaps I should call him my hon. Friend for this purpose, given how we have worked together on the Select Committee. The problem with the great and rising demand for social care is that it means that there is proportionately less money to be spent on important things such as the environment, road repairs and refuse collection, the things that everybody receives from their local council. Many people then start to say, “Why am I paying my council tax? I am getting less and less for paying more and more.” That issue can be addressed by a social care premium as well.
Finally, on the cladding issue, it came to my attention over Christmas—I did a bit for the “You & Yours” programme—that the National House Building Council is refusing to pay out on a warranty for properties where the cladding put on was not the right type but it had been improperly passed by the building inspector. The NHBC said that it was not its building inspector and the warranty applied only in cases where its building inspector had done the work. That is a major loophole in people’s circumstances. When people have bought a house and got a warranty, they think that that warranty is going to cover them for defective materials. However, if that defective material was passed off by a building inspector that was not the NHBC’s inspector, as in this case, they are not covered. I hope the Secretary of State will look at that issue too. I recognise the time limit, Mr Deputy Speaker, but these are major issues that arise from the Queen’s Speech. I hope that there will be some cross-party working, perhaps through the Select Committee, that will help us move forward.