That has been made widely available and is free of charge. At the latest date, we had issued more than 4,000 papers. The website has been available since the date of publication. Does my right hon.
Friend is perfectly right.
It does not pay to save in this country, and it never has since 1948. The pension credit will reverse that. Our plan is to introduce it in 2003. There have been more than 400 responses to the consultation document. The closing date was only last week, and we have not analysed all the responses, but to the best of my knowledge not one submission has opposed the pension credit.