  We show that the observed primordial perturbations can be entirely sourced by
a light spectator scalar field with a quartic potential, akin to the Higgs
boson. The framework relies on the indirect modulation of reheating, which is
implemented without any direct coupling between the spectator field and the
inflaton and does not require non-renormalisable interactions. The scenario
gives rise to local non-Gaussianity with $f_{\rm NL}\simeq 5$ as the typical
signal and it can be realised for the Higgs boson in the Standard Model
extended with right-handed neutrinos. However, the Standard Model running
should be modified for the setup to produce the observed perturbation.
