Without this Labour Government's having introduced the FAS, there would have been no help whatever. Clearly, there is indexation at 2.5 per cent. for post-1997 accruals. We have also extended early access for those with ill health who have had to retire within five years of retirement age, and for those with a progressive disease we have introduced early access which is unreduced. This is more than we promised to do when the FAS was created. I am happy to keep looking at this, but I think the hon. Gentleman ought to acknowledge that we are providing great assistance where there was none before.