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Pension Protection Fund (Investigation by PPF Ombudsman of Complaints of Maladministration) Regulations 2005

I think that I am, actually. I know that, having been identified as a pensions Minister, people tend to come up to talk about pensions. Even on a No. 50 bus in Birmingham from time to time, one hears people talking about pensions. That is one of the great advantages of starting the debate. If debate about pensions policy is confined to the very small number of people who understand the niceties of that policy, we will not get anywhere. I defend the Government’s approach wholeheartedly. The debate is working. The noble Lord asked me to say whether the Adair Turner commission will produce a blueprint. I cannot possibly comment; I do not know what will be in the second report. I am sure that it will be interesting and will very much help us towards making decisions. The noble Lord mentioned the abolition of tax credits on pension funds. To put forward the notion that that decision almost single-handedly was responsible for a loss of confidence in pensions is not sustainable. I do not accept that point. The noble Lord asked why the original order was not right in relation to the amendment order. The realisation of the change that needed to be made came after the principal order had been processed but while drafting the regulations. We can plead not guilty to that.