Those detailed plans have been quietly buried as the financial Crisis of Underfunding continues.

Does the right hon. Lady not realise that those people want to see her because she is the architect of the Crisis of Underfunding?

The review was born out of panic, as the Government reeled from the publicity last winter about the Underfunding Crisis in our hospitals.

The hon. Ladies were much more concerned to try to demonstrate that the health service has suffered from a Crisis of Underfunding of the Government's making.

The danger is of two-tier pension provision with unfunded public sector pensions paid for by taxpayers in the private sector, whose pensions face a continuing Underfunding Crisis.

Many noble Lords spoke of the Underfunding Crisis in the sector and the limitations of cross-subsidy options.