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I thank my right hon. Friend for that response. I draw his attention to the issue of security in retirement years. My constituents' main concern is that they have sufficient pension rights for a secure retirement. Thirty thousand of my constituents in Gillingham and the Medway towns are aged over 65 and living on means-tested benefits to help to supplement their income. What proposals does my right hon. Friend have to ensure that future pensioners will not have to rely on means-tested benefits for security in their later years?