Nothing is more frightening to people than paying into a pension scheme for many years only to find that it does not produce the benefits that they were expecting, so will my hon. Friend join me in congratulating the 53 members of staff in York who run the FAS, which has rescued 834 pension schemes and has some 12,000 pensioners in payment? Does she also agree that when the state provides a safety net it is important that that safety net is not so gold-plated that it creates perverse incentives for employers to close down schemes, and that it is extremely important, too, that the state safety nets that this Labour Government have introduced are maintained?