Pensions Reform

I shall come on to that in a moment. The White Paper acknowledges that there are some issues, particularly to do with the introduction of personal accounts and the national pension savings scheme, on which some work remains to be done. If the hon. Gentleman is still attached to the citizens pension, perhaps he will explain where the billions of pounds of additional public expenditure will come from without the need for tax rises. Before he intervened, I was about to say that I want to make one thing absolutely clear: this is not a pick-and-choose menu, so we do not, by definition, have the luxury of cherry-picking. The reforms are designed to lock together a framework that provides a sustainable, affordable solution and provides real benefits to all those who are saving for their retirement. Those such as the right hon. Member for Wokingham and the hon. Member for Yeovil (Mr. Laws), who propose different solutions, need to explain to the public how they are going to be financed, what different outcomes they will produce and on what basis they will provide a better prospect for the consensus that we all desire than the proposals by Lord Turner and the Pensions Commission, which we are now taking forward.