On the IAPF: We like to think of ourselves as the voice of pensions.

Regulating the pensions industry: You can never protect totally against downright fraud, but you can have adequate forms of protection.

The public and pensions: There is a gap in the knowledge some members of the public have about pensions.

On the chances of a European- wide pension fund: A few years ago I would have said no, but it's not such an off-the-wall idea now.

Reforming the pension industry: This is the time to deal with the pensions question, when we have the resources to do it.