Yes, I agree, and one of the many consequences of the decision made by the people of our country in June 2016—

Well, the decision was made by the majority of people in the United Kingdom.

I do agree. I am looking for change and I think the Government are looking for change, which I guess is why the review is taking place.

I agree that people who are not able to draw down on the bank of mum and dad have a much tougher time.

That is a good point. I represent the city of Plymouth.

Yes, I enjoy giving way.

I agree.

If an individual sets up their own business and still owns it then it is up to them what they pay themselves, but other than that I tend

The Minister is absolutely right to make that point.

I must confess I do not know the details of the current dispute.