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Pensions Bill

My hon. and learned Friend mentioned providing an unfair advantage, but it is an important principle that people's savings should not undermine their ability to collect state benefits. As he says, that point will be discussed when we come to the issue of the earnings link, but it is an important principle in reducing means testing. He mentions taxpayers' money, but the people who take up the scheme to save for their pension will be low paid. They are taxpayers too, and the fairness agenda means that we must also be fair to those on low incomes who are putting small amounts of money—whatever they can afford—into such schemes. We must ensure that they do not miss out on state benefits later.