Mr. Tim Duggan:

We want to hear from people what they think the shape of the scheme should be and how many years of credits for various things should be facilitated. I do not buy the argument that somebody on 20 years of contributions will get half a pension under a TCA model. If that is all they have in their life it will be true, but the vast majority of people on 20 years of contributions in a 50-year working lifespan probably have other elements to attract credits. Consequently, few people will end up on a half-rate pension purely on the basis of the number of paid contributions. It would be difficult for us to give definitive answers to examples committee members might send us because of this. We can only base them on what we know.