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Pensions Bill [HL]

I thank the noble Baroness for that intervention and that question. We have looked closely at this issue. She is absolutely right that many low earners are second earners and have partners. The trouble is that it is very hard to identify them with any precision, which makes it very difficult to encourage them to save, because many of them—we do not know which of them—would not find it beneficial. The noble Baroness will make an argument, based on the discussions between the DWP and the Treasury, about what a single-tier pension would do to that position.