Local authorities must design council tax and local welfare support schemes that work with the principles of universal credit.
Implementing change on this scale is daunting, and it is easy to forget that the principles of universal credit retain broad public and political support.
Graeme Brown, director of Shelter Scotland, says that while the charity supports the basic principles of universal credit, it has "serious concerns" about the way the UK government is implementing the policy.
And on the thorny issue of treating forests as carbon "sinks" to absorb excess carbon dioxide, the two sides no longer disagree on the principle of claiming credit for these, but only over how much to allow.
"The principle of universal credit is the right one, making it easier for people to move into work and take more hours, but it is not clear that the system is going to work".
On the other hand, director Matthew Vaughn criticised the principle of tax credit schemes for film-making earlier this year in a Radio 4 programme, saying: "I think it's crazy that we subsidise British movies with tax breaks but we don't get any of that money back.
"The principle of Universal Credit is sound but our research has found the actual roll-out could unintentionally trap people in poverty and hardship," the organisation's chief executive Julia Unwin said.
We would be focusing on budgeting, principles of saving, repairing credit scores, and basic banking.
A banking system run on sound business principles and sober assessment of credit, rather than politics and connections, is seen as vital.
