It is worth emphasising that all too often we take for granted within the welfare state the fact that, without the informal network of care, often free from institutions or direct institutional production or support mechanisms, we would indeed be talking about a Crisis in the Welfare State of a proportion that no hon. Member would suggest exists at the moment.

Above all, we need policies - macro-economic as well as micro-economic policies - that are well designed to generate jobs because, if there is a way to solve the Crisis of the Welfare State, it is above all to get more people into properly paid, sustainable work.

Generally, one observes the Crisis of the Welfare State, of which this is just a part.

That feeds into the core of my argument on the extent to which housing and housing costs have led us to a Crisis in the Welfare State.