---

Pensions Bill

I cannot disagree with what the hon. Gentleman is saying, but I remind him that the Government have not said, ““Here is our consensus, take it or leave it.”” The consensus was built up through the pension commission headed by Lord Turner. It took some effort to find a way forward for a problem that we all acknowledge to be serious and that is where the consensus comes from. In the course of the Bill, if the hon. Gentleman makes some practical suggestions—I will certainly look at what he has said so far—we will see what we can do.