There are real tensions, even within the group of amendments. On the one hand, we want to ensure that all the costs are absorbed and charged for in the scheme. Equally, we want maximum take-up, which must mean a charge that is as low as possible. I think that the Minister is saying that, at this juncture, we are not in a position to say whether 0.3 per cent. is achievable, or whether the figure will be higher. Whatever the charge figure is, it will have a real impact on take-up and the general climate in which people will expected to stick with the scheme, and to auto-enrol and not opt out. There has to be a good deal for them. Does it remain the Government’s intention to set a target figure? For all the reasons that have been outlined, we cannot decide whether it will be 0.3 or 0.5 per cent. It is very important that the Minister makes it clear that the Government have a target. If PADA has so much flexibility, how does one deliver that figure?