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Pensions Bill

We have had fascinating exchanges on qualifying schemes. There are provisions in the Bill to enable schemes that are not qualifying to be easily converted into qualifying schemes to permit auto-enrolment. That is the point; we want schemes to be at least as good as the minimum that the Bill provides for. We cannot stop employers having two schemes and different arrangements for individuals but we want to ensure that schemes are qualifying schemes and that they are good quality schemes that provide for contributions that are at least at the level of those identified in the Bill for personal accounts and auto-enrolment.