Wealth Questions (April 12/13) identified how some older people and low earners would still benefit from the 10 per cent income tax band on savings interest. I am a 58-year-old woman earning £6,000 with additional interest from building society savings of £1,000 (all before tax). It seems particularly unfair that someone on my very low income should lose out from the scrapping of this lower rate band when others with higher incomes continue to benefit from it. Just what is the logic of these changes?