Pensions Bill

My Lords, the noble Lord, Lord MacGregor of Pulham Market, has just made a powerful speech adding to the arguments that were put forward in the earlier debate, and I certainly do not intend to repeat any of them. I simply say to the Minister that there will be a not insignificant number of people who, under the present dispensation, will face an appalling crisis in their personal lives. I really hope that the Government will take this away and think very carefully, sympathetically and constructively about the inadequacy of the present dispensation and see what they can do.