Pensions Bill

That may be right. The current system, which we are about to change, is very male-oriented. My noble friend has made that point with great conviction during Second Reading and on previous occasions, but we are changing the system. Under the Bill—with all the credits that are available for people with caring responsibilities and with the truncated period of 30 years to get to full basic state pension—there is considerably more flexibility in a working life. It does not seem unreasonable to hold to the view that you can still make up contributions but that you must do so within six years. There may well be a case for looking at whether the deficiency notice provides sufficient information for people to make the right sort of judgments. However, if we go down the path of saying that people who want to make a class 3 contribution to improve their pension outcome need not do so until the end of their working life when they are about to get their state pension or, indeed, until possibly six years after that, that will change the landscape.