start losing out but also changing individual income to household income. they have been chosen so that no family is likely to lose from that and then if it is implemented only around 12% of families with children will lose some of their child benefit. then there becomes the question of why you doing all of this extra minute of hassle when you are affecting a small number of families and you might wish to return child benefit to the universal benefit that it was until 2013 at a cost of around £1.5 billion and save the means best benefit for children and put that into universal credit system. thank ou for into universal credit system. thank you for explaining _ into universal credit system. thank you for explaining some _ into universal credit system. thank you for explaining some of- into universal credit system. thank you for explaining some of the - you for explaining some of the context. let's look at the labour scheme that they are announcing today. this is a pledge to continue a current government policy on mortgages. talk through that. the mort . a . e mortgages. talk through that. ii9: mortgage guarantee mortgages. talk through that. ii9 mortgage guarantee scheme was mortgages. talk through that. "ii9