Perhaps I can ask a question on the hon. Gentleman's speech. He is almost on the verge of being remarkably frank and admitting that his predecessors in government had "form" in their impact on pension policy. Will he list the offences that he would like to have taken into consideration? Is it the SERPS scandal, the removal of the earnings link, the promotion of state pension opt-outs, the orgy of pension mis-selling, the ineffectual Pensions Act 1995, or as my hon. Friend Mr. Drew said, the encouragement of pensions holidays?