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Pensions Bill

I fear that the Minister still does not understand the issue. Parliament is legislating to auto-enrol everyone in this country who is not currently in a pension scheme in a system that the Secretary of State says is designed to make it difficult to opt out from. These are low-cost products in the pensions market. No one will be able to afford to provide these people with personal advice about whether they should or should not save. They have to take the decision themselves. We live in a country where, as we know, people have a propensity not to save.