---

Pensions Reform

I am grateful to my hon. Friend for giving way so early in her already brilliant speech. What does she think of the various proposals made today about how we give advice, bearing in mind that young people are least likely to go to an independent financial adviser? Whose responsibility does she believe that it is to ensure that people are properly advised about the sorts of pension plan they might make, especially given the comments of my hon. Friend the Member for Bradford, North (Mr. Rooney)?