I am sure the Minister heard my hon. Friend’s plea with regard to Tesco. There is still a concern that some employers might take the introduction of auto-enrolment as an opportunity to top-slice what they would be paying into a pension fund, as part of auto-enrolment, off the salary they are already paying. There does not seem to be any evidence of that, but perhaps some of what my hon. Friend talked about is the restructuring by some big companies with high employee turnover that are maybe looking to find a way of cutting what they pay. There is no doubt that, with the introduction of auto-enrolment and the pension, the single-tier pension was inevitable. It is the right thing to do, but, as with anything this complex that affects so many people, the Government have to ensure that they get it right. If they get it wrong, there will be an awful lot of angry people out there. I am sure the Minister is listening.
4.40 pm