My Lords, it is, for the most part, a pleasure to follow the noble Lord, Lord Moylan, in what he had to say. We can understand why some people might find this rather difficult to follow. It was beautifully explained by the noble Lord but, none the less, has a measure of complexity.
I have little to add to the extremely competent, wide-ranging and interesting speech made by my noble friend Lady Lister. However, by way of support and amplification, I add that, when I was working with the National Union of Teachers, I came across cases—I would not say many but certainly more than several—of young people who genuinely believed themselves to be British and were astounded to find that their way to higher education was barred by the fact that their parents had not taken steps to secure their position. Frankly, it was devastating for these young people, as it was for their teachers and for those of us who attempted to work with them. In the briefings—for which I am extremely grateful—there is the case of one such young person, Arthur, whose parents equally had made no steps in the direction of securing his position. He then became an adult and simply does not have the resources to be able to secure his own position.
I conclude by saying that the 20% increase, so far above the cost of processing, looks a lot like what we might in other circumstances call profiteering. Last week, we all heard with horror—certainly, I did—that the increases in retail prices of baby formula, way above the costs incurred, were genuinely felt to be completely unacceptable. This seems to be a somewhat parallel case. As my noble friend said, making the poor poorer in respect of things to which they are entitled, possibly sending them into destitution, seems a wholly unacceptable thing for the Government of this country to do. Is it possible to reconsider this position so that the proposed changes are instead limited to only the actual processing costs? Will the Home Office consider developing policies to minimise the regulatory and economic burden of fees on businesses, as explained by my noble friend Lady Lister?