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Pensions Bill

Either deliberately or accidentally the Minister does not understand the point. No one is saying that everyone is in this high-risk group, but the Pensions Policy Institute, which is easily the most respected body in the field, has identified people over 50 who are renting in old age as likely to be high risk. We are focusing on this group because there may be a significant number of people in the group for whom this may not pay, which is why they need advice. Some will and some will not need advice, but can the Minister not see that it pays to focus on the groups that are most at risk? He should try to address the point that is being made from all sides of the Committee.