First, we were treated to a policy of planning for the future with regard to hospitals, plans which we know from past experience will "go west" at the First Financial Crisis, because if there is a financial crisis the first thing to go will be the money for hospitals.

My noble friend has not begun to think about how we keep women in auto-enrolled schemes when the First Financial Crisis begins to hit.

But I think that we will have a problem of staying power with auto-enrolment when women hit Their First Financial Crisis and cannot access their savings.