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Pensions Reform

My question is along similar lines to the one asked by my hon. Friend the Member for Sheffield, Attercliffe (Mr. Betts). The higher-rate relief costs the Treasury £18 billion a year in forgone tax revenues. Overwhelmingly, it is claimed by the richest in our society yet evidence from the Department for Work and Pensions suggests that tax relief on pension savings has almost no effect in encouraging people to save for their pensions. Therefore, will my right hon. Friend explain in more detail the matter raised by the hon. Member for Bournemouth, West (Sir John Butterfill): how will the 1 per cent. tax relief in the national pensions savings scheme work, and what will it do?