Pensions Reform

I agree entirely with the hon. Gentleman, and I have a company in my constituency called Lister Petter that has gone the same way. Does he agree that one of the problems is that all the schemes are lumped together? That is my criticism of the ombudsman. I would ask for all the schemes to be independently investigated, so we know exactly where the money went and who is responsible. The problem is that the schemes are aggregated and the same arguments advanced every time. That is wrong.