Instead of the further help for the better-off that new incentives would provide, the government should phase in compulsory savings for employers and employees.
If the government suggested that they were actually going to walk away from a deal, that would be a hugely important problem and then, of course, the possibility of disputes could come back on to the agenda.
The public wants a ban, the health arguments are overwhelming and all that is holding government back seems to be a reluctance to say no to business lobbying or risk being called nannies,
This report increases pressure on the government and the Turner Commission to bring forward radical proposals to tackle the future of pensions.
It is time for the government to be brave,