My hon. Friend makes an important point about the Government’s failure to provide concrete evidence about the risks and rewards of the policy direction. It is somewhat inherent for Governments to talk more about rewards. In saying that, this is a particularly obvious example of the upside being promoted, and trying to make a balanced judgment is difficult owing to the absence of the publication of the risk assessment and the behavioural estimates made therein. That speaks to a wider issue to which I alluded earlier: pension policy, for the past decade and a bit, has tended to proceed on the basis of consensus. The auto-enrolment policy, which the previous Government legislated for and the current Government have taken forward, is the product of a decade-long process of dialogue, evidence-based discussion and independent commissioning—no rabbits out of the hat, but sustained discussion.