Pensions Reform

Who will be responsible for the clarity of the explanatory leaflets for personal accounts, given that no advice is to be provided, because of the low cost to which the right hon. Member for West Dunbartonshire (Mr. McFall) referred? Indeed, I greatly share his concern about that issue. What will the Secretary of State’s strategy be to ensure that employers, who currently contribute rather more than 4 per cent. to their employees’ pensions, will not use this as an opportunity to reduce their costs and, therefore, provision?