This has been a helpful debate on an important change that the clause introduces. I am grateful to the hon. Member for Eastbourne for his expression of support for it. My problem with the approach of the hon. Member for Inverness, Nairn, Badenoch and Strathspey is that he has taken this entirely in isolation, and based his criticisms of it as through it were a stand-alone change. It needs to be seen in the context of everything else that is happening. The reform is part of a broad package. That is what Turner asked us to do; it is what everyone has understood needs to be done. For example, the hon. Gentleman tried to argue that this specific form would in some way be particularly disadvantageous to women. He should bear in mind the whole package.

For example, we have already made changes, which will apply in due course, to the number of years required to qualify for a state pension. The main beneficiaries of that reform are women. The majority of those in the income bracket who will, we hope, become participating members of the new personal schemes introduced by the Bill will also be women. The net effect of all the measures being taken will be substantially to improve the pension position of women in the future. I suggest that the hon. Gentleman should bear all of these things in mind, because this is part of making a sustainable whole.