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Pensions Bill

The noble Lord is making heavy weather of this and I do not think that he is winning. The benefit of my noble friend’s amendment is that it is clearly focused. We know that there is the pay to save consultation, which is all welcome, although it is a bit disappointing that we will not see it before the proceedings on the Bill are finished. However, we will no doubt return to these arguments in the future. The Minister does not seem to accept that there are any at-risk groups; that is the message that he is sending to me. From where I am sitting, this is the most obvious at-risk group and, if the consultation is being conducted on the basis that the Government do not think that there are such groups, it is bound to fail.