Pensions Bill

I am still a little confused about the difference between the figures of 550,000 and 110,000. If I understood the Minister correctly, she said that she thought that the take-up would be 20 per cent. of the 550,000 people who could benefit. I am a little bit concerned about that, because she would miss out a group of 400,000-plus people, whom I think she says could benefit, but, it seems, will be left out.