Problems over pensions.
A commission set up by the National Association of Pension Funds uncovered "widespread concern" about the charges, risks and complexity of the pensions of 23 million workers.
The Workplace Retirement Income Commission said workers must get a better deal from their pensions. Lord McFall of Alcluith, who chaired the commission, said the spotlight for reform had rightly fallen on public sector pensions, but he added there were "critical problems" in private firms as well.
"Too many people are stuck in a complex, costly and inefficient system that relegates the consumer's interest to second place.
"On top of that, they simply aren't saving enough to secure a decent retirement." Comment: Page 6