I am sorry; I have spent a lot of time listening to others, and a lot of it has been slightly interesting to listen to, I have to say.
The measure will not enable the DWP to access any accounts, and the DWP will not be able to use this measure to check what claimants are spending. The DWP can request information only where there is a link between the DWP, the third party and the benefit claimant or recipient of a payment, and will receive only minimum information on those cases where potential fraud and error are signalled. Once received, the DWP will look at each case individually through its business-as-usual processes and by using existing powers. That work will carefully be undertaken by a human and no automated decisions will be made. That is a really interesting and important point in terms of this measure. I now turn to my noble friend.