Mr. Liam Berney:

That is not the universal position of the employer community. There are many employers who pay well in excess of what is being proposed in the auto-enrolment scheme and well in excess of what we suggest people pay. It is not as if the employer class speaks with one voice around this issue. There are many employers who pay very significant contributions to occupational pension schemes beyond what is in auto-enrolment. We would advocate that, as auto-enrolment becomes more evolved and more mature, the question of the contribution rate should be something that is looked at continually to ensure workers have a decent standard of living in retirement.