Welfare Reform Bill

The noble Lord might like to know that when I applied online for my state pension, I got a very rapid response. It was so rapid that it set some alarm bells ringing in my mind. I put down a Question—one can look up the date but it would have been in 2005—and at that time only 2 per cent of applicants were applying for state pension, which admittedly is perhaps a skewed distribution, online. There is a long way to go.