David Cameron has put worklessness to a record high and he's inviting us to believe that it's the fault of everyone except him.
It's now very clear that a welfare revolution was all talk. Out-of-work benefits are going through the roof. Each week we hear of another new initiative, another crackdown, another test.
Meanwhile in the real world, the cost of out-of-work benefits is up nearly £5 billion, housing benefit over £4 billion, the Work Programme is failing and the multibillion-pound Universal Credit scheme is running late and over budget.
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The study, conducted by the European Banking Authority, looked at how much capital would be used up in adverse economic conditions.