I am grateful to my hon. Friend for giving way so early in her speech. Is it not the case that much of the problem is caused by a sense of pride? Many pensioners do not want to make a claim for means-tested benefits. They see it as some sort of personal failure. Pensioners should automatically receive a citizen's pension that takes account of all the benefits to which they should be entitled, including pension credit, without having to go cap in hand to the state.