Pensions Bill

My Lords, I apologise for not dealing with that. The numbers that I quoted are net of that. I have a tabulation assuming 100 per cent take-up and 15 per cent take-up of the UK component and the overseas component, and that comprises gross pension costs, net pension costs and is net of benefit reductions, the revenue from class 3 contributions and the net impact. I would be happy to share those figures in more detail with the House. That work has been genuinely going on. We need to be very careful about going down a route to help people which has serious, wider ramifications.