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Occupational Pensions

I am grateful to my hon. Friend for giving way to me yet again. I apologise for pressing this point, but it is crucial. He is making an extremely coherent argument about where liability lies, which is the central matter in this debate. He is also making it clear that the fundamental problem arises from the legislation, but will he explain once and for all the position of trustees? Does he agree that, instead of relying on four brief sentences or paragraphs in a leaflet, trustees should have sought professional advice? Does he accept that, had they done so, constituents of mine and other people would not find themselves facing another bleak Christmas?