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No, I do not. The hon. Gentleman does not appear to understand that the fact that people do not have to fill in the form and that one of our experts can fill it in during a 20-minute phone call—people have only to verify the details—is a major step from old-style means-testing.
I welcome the Liberal Democrats' choice of pension credit for the debate because they have an interesting track record that should be understood. They opposed its introduction. When Mr. Webb was not examining statistical methodologies, he stated on
"The savings credit neither rewards those who save today nor encourages people to save for tomorrow, and I urge the House to reject it outright."—[Hansard, 25 March 2002; Vol. 382, c. 629.]