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Pensions Bill

If personal accounts were not to proceed—and that will simply not be the case, as they will proceed—that would preclude the employer duty from proceeding. It is right to say that this would be very difficult without personal accounts. We should not be apart on this. It is abundantly clear that we are going to set up this scheme. I have explained that we have the power rather than a duty because of the ability to make changes subsequently. I really do not see why this is giving rise to such concern.