---

Pensioner Poverty

I was saying that I did not want the state-based solution proposed by the hon. Member for Luton, North (Kelvin Hopkins). I am not saying that we would repeal that legislation. Let me be precise: we are in favour of automatic enrolment. We were in favour of it before the Turner review or personal accounts were dreamt about. It was in our last election manifesto, and we are signed up to the Turner consensus which, as far as I am concerned, includes an easy-to-access, cheap pensions saving vehicle for people who do not have pensions at the moment. Whether that is precisely the right model is another matter. We have said that if we win the election, we will review how far the Personal Accounts Delivery Authority has got with designing personal accounts, and I have mentioned one or two of the issues that the review would cover.