So am I right in thinking that Nest Insight and the Centre have actually done quite a lot of work on the self-employed?

Yeah, that's right, Dan.

It's something we've been looking at pretty regularly for the last several years.

I haven't had a chance to read the SPP paper yet, but I guess in terms of our thinking on this topic.

So the easy bit, which everyone says is, well, auto-enrolment was good for workers, so we should auto-enrol the self-employed, shouldn't we? And that's kind of come out in various recommendations and proposals over the years.

And I think where we've been really focused is kind of, yeah, but how? So the...

fundamentally the idea behind employee auto-enrolment is that if the worker does nothing, they end up saving in a high-quality, well-regulated default fund.

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