I have listened carefully to the debate, the Minister's contribution, the other Deputies and my constituents and my conclusion is that this is a mess. The Minister said that there are people who are confused and frightened. That is certainly true. People have been in touch with my office and with those of other Deputies and they are genuinely concerned about this. People are struggling with bills and with the cost of living and they are really worried they are going to have to pay huge costs out of pocket. Whether …