I am grateful to the Minister for clarifying the second line of defence. As he knows, that has been flagged up by a number of pensions experts as being of concern, particularly for those retiring with defined-contribution pensions in April next year. The FCA has a duty to secure appropriate protection for those who use guidance, but there is not a great deal available at the moment for consumers who choose not to. A survey by the Chartered Insurance Institute found that 92% of consumers would definitely or probably use guidance, which was encouraging. None the less, for those who do not, there is not much of a second line of defence. What can be done to help those who choose not to take up the guidance?