and further regrets the centralising nature of measures on regional and local government, housing and planning; notes the absence of measures to end insecurity in old age with no Bill to abolish the annuity rule or tackle the Crisis in the Pension System; further regrets that the Gracious Speech contains no measures to deliver a health service in which no patient is left waiting, but seeks unfairly to charge local authorities for bed-blocking in hospitals, and to grant foundation status only to a small number of hospitals; is concerned at the failure to reduce the burden of regulation on business and to tackle the crisis in the rural economy; welcomes the Bill to create a Railway Accident Investigation Branch, along lines recommended by Her Majesty's Official Opposition, but condemns the failure to address the worsening transport crisis or to improve conditions for passengers, motorists and businesses; and further regrets the failure to give more control over schools to parents and governors, to restore teacher morale, and to improve confidence in the examination system and universities.

I beg to move, as an amendment to the Address, at the end of the Question to add: 'But humbly regrets the absence of a Bill to ensure the impartiality of the Civil Service; and further regrets the centralising nature of measures on regional and local government, housing and planning; notes the absence of measures to end insecurity in old age with no Bill to abolish the annuity rule or tackle the Crisis in the Pension System; further regrets that the Gracious Speech contains no measures to deliver a health service in which no patient is left waiting, but seeks unfairly to charge local authorities for bed-blocking in hospitals, and to grant foundation status only to a small number of hospitals; is concerned at the failure to reduce the burden of regulation on business and to tackle the crisis in the rural economy; welcomes the Bill to create a Railway Accident Investigation Branch, along lines recommended by Her Majesty's Official Opposition, but condemns the failure to address the worsening transport crisis or to improve conditions for passengers, motorists and businesses; and further regrets the failure to give more control over schools to parents and governors, to restore teacher morale, and to improve confidence in the examination system and universities.

He has been slow to invest in our public services and he has remained in denial about the Crisis in Our Pensions System.

Clearly, his basic point is right: there is a serious, fundamental Crisis in the Pension System.

I am profoundly concerned about the collapse in saving and the Crisis in Our Pensions System.