Does the Minister agree that we need not only to significantly increase the levels and quantity of digital, AI, media and financial education but to ensure that it is personalised, flexible, relevant and responsive? One reason alone is that low levels of financial literacy currently cost the country £20 billion and individuals at the sharp end almost £500 a year. Does she agree that if we enable the levels of literacy we need, this will deliver immeasurable benefits to individual flourishing, levels of innovation and economic, social and psychological growth, for the benefit of us all?