I was visited recently by a constituent who has lost not one, but two, pensions, and who falls outside the FAS. He complained to me that when he chided his daughters for not contributing to a pension scheme, they replied that he was a mug for having done so. Until Ministers are prepared to grasp the nettle, which our amendments last week offered them the opportunity to do, there is every likelihood that people who save for a pension will simply be told that it is a mug's game.