better-off

“The system at the moment assumes that students from better-off backgrounds are getting support from their parents. It’s not always true that those students do get that support,” says Kate Ogden.

Liberal Democrat leader Sir Ed Davey has said he would like to see inheritance tax reformed to “ensure the better-off pay more”.

Pressed on who would pay the higher rate, he said: "I think those people who aren't inheriting huge amounts - and that money comes primarily from their property - they would see lower inheritance tax and you pay for that by ensuring that the better-off pay more."

Mr Sa'adu is among the better-off as some of the other men who live there have no furniture, and share sleeping mats which they roll out on the floor.

The “better-off” answer, then, can go in multiple directions.