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Education and Skills Bill

The reason I supported that legislation—which I am not sure the Secretary of State was so keen on when it started out following Lord Turner's commission, as he was attempting to sabotage it from the Back Benches—is that it contains a power to opt out. There is a power of choice in the proposals for personal accounts. If there were no power to opt out, I would ardently oppose the proposals, particularly because 50 per cent. of pensioners will in future be subject to means-testing, and automatically enrolling them in a pension scheme from which they would get no advantage would be wrong, philosophically and practically—[Interruption.] I am not sure whether the hon. Member for Surrey Heath is trying to intervene on me.