Child Trust Funds

First, on the specific point of proportionality, does the right hon. Gentleman agree that the financial providers are talking about sums below £5,000, and the average child trust fund here is about £2,000? Secondly, tens of thousands of pounds would to through the DWP appointee scheme, which means that in comparison the child trust fund is a tiny amount of money. On the grounds of proportionality, the right hon. Gentleman is making an extremely good case.