Pensions Bill

I am grateful to the hon. Lady for giving away again. She is being very generous, but does she agree that a proportion of people will always be better advised, for a variety of reasons, to opt out of personal accounts because their circumstances mean that they will not be any better off, in the long run? Does she also agree that that raises the conundrum, which has still to be sorted out, about the sort of advice people will get under what Lord Turner has called an ““advice-free? model?