In terms of affordability and what is set out in the Bill that we are currently looking at as opposed to the consultation exercise that is now going on, what kind of options for affordability is at the behest of the regulator? Is it simply to increase employers’ contribution, to change the amount of pension that will be paid out, or to stop pension holidays? In determining affordability, what kind of issues can the regulator decide upon? Can it increase employers’ contributions to beyond 3 per cent. that is set out in the regulations for lower paid workers?