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I can certainly give my hon. Friend that reassurance. We are committed to a Bill in this Session. This needs to happen. It was in 2008 that the parliamentary ombudsman referred to a "decade of regulatory failure". The fact that we have had to wait until now for this to be done is wrong. The last Government had plenty of opportunities to grip this, but I am afraid that, in quite a cynical way, they were just waiting and waiting, so that more of the Equitable Life policyholders were dying off. That is disgraceful, and we need to get this done.
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