---

Pensions Bill

I may have been barking up the wrong tree. As I understand it, if you are an adult—22-plus, for these purposes—and on your birthday you enrol in a personal account for the first time, all the advantages of enrolling in such an account will accrue to you. However, one of the duties of that enrolment is that you are asked every three years whether you want to continue saving into the scheme. I may have misunderstood that. My noble friend Lady Noakes says that I have, so on this occasion the Minister can save his breath and she will take me aside quietly at some appropriate moment in some, I hope, appropriate place and explain it to me.