My Lords, the noble Baroness's first point about whether the concept of a normal retirement age is now appropriate is important. However, the normal retirement age has two aspects. First, it affects pensions and the funding of pensions, which is an important and difficult issue; secondly, people who join organisations must believe that there will be scope for them to progress within those organisations. That is a difficult balance to bear in mind. As I said, the noble Baroness makes an important point. There is much to be learned from the experience of the United States in this regard.