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Pensions Bill

I am grateful to the Minister, who need have no fear on this occasion; I described this as a probing amendment, so of course I will withdraw it. I am relieved to hear that the Government intend to make this whole operation as low-cost as possible for employers because, without that, there would be very grudging acceptance, to say the least, of these reforms. I understand why the Government are not yet ready to be prescriptive on all this. In part, as the Minister almost said, he is waiting for PADA to tell him what is appropriate and, in part, the department is still working on this with the various stakeholders. I shall say a bit more about them in a minute. We must be extremely careful that we do not throw the baby out with the bathwater. We will have quite a discussion, in which I hope other Members of the Committee will join, on the qualifying schemes and the test scheme. From what the Minister has said, I assume that more, rather than fewer, existing schemes are likely to qualify, because that would keep the cost down. That is perhaps too broad a question for now and would be better repeated at another time.