My hon. Friend is right. That restriction on surpluses has, in fact, been removed by the Government. He is right, too, that those pension trends have been under way for many years. The number of people in occupational pension schemes fell under the previous Government, and that has been the case, too, under the present Government. It is important that we work on a policy to make sure that everyone has access to employer contributions to their pensions, and that is exactly what we are doing through personal accounts.