The crisis of confidence over private pensions started with the last Government and the mis-selling of £13.5 billion of pensions, and it took this Government to clear up the mess. I suggest that the hon. Gentleman, along with his colleagues on the Front Bench, should play a more active and positive role in replying to the response to the challenges put forward in the Green Paper. He might then get somewhere when he talks in such terms about the problems of second tier pensions. This Government are trying to sort out the problems caused by the last Government.