Pensions Bill

My Lords, just to wrap up this position, I do not think that any noble Lord in this Room will be under any illusion that we are not utterly determined to drive forward a transformation in both working-age and pension-age systems. One of the guiding principles for both those is simplicity so that people can understand what they are entitled to and there is an automatic process where you do not have to do so much work. It is an example of the kind of chaos that we have at the moment that people do not understand what their entitlement is. I am equally conscious of the figures in universal credit, where you have a clean working-age benefit. Two-thirds of the uplift of more than £2 billion per year that we are able to put through to people is due to giving them benefits that they do not currently claim. I do not think that there is any difference. Clearly, simplification and transformation are right at the heart of the Government’s strategy.