I am entirely at one with the hon. Gentleman’s objective, but I am slightly confused about why he thinks that we need the new clause. I understand that the personal accounts scheme would provide the same opportunities and entitlements that apply to all other pension schemes, particularly personal pension schemes, where the open market option already exists. However, we should address how we can ensure that retirees are given that information. Perhaps the Minister will consider including that in the regulations to be made under clause 8(2).