Pensions

My Lords, I congratulate my noble friend on the Statement. I have two questions. First, on consensus, is it not the case that the noble Lord, Lord Turner, was a former Director-General of the CBI and that there were two people from different areas, Jeannie Drake and John Hills? I think that consensus was built in; I think that it will go down in history as a consensus exercise in the tradition of Attlee/Beveridge. On the Turner model of the national pension savings scheme, the Government want to keep open alternative ideas. Can my noble friend comment more on the thinking about that? We do not want uncertainty into the autumn about how that will be done.