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There will, of course, be an opportunity to debate it fully in the time that we have allocated. It is an important issue, and my hon. Friend is absolutely right that we are having to clear up a mess that has badly hit many people as a result of the collapse of their financial provision for the future. We are addressing the matter, and there will be an opportunity to debate it, as he knows, but I am afraid that I cannot satisfy his request for a substantive motion.