If Britain is to have a stable, affordable pension system, people need to work longer, but we will reward their hard work with a decent state pension that will enable them to enjoy quality of life in their retirement.

With high underemployment - currently over one million part-time workers in the UK want to work more hours - sanctioning clients who cannot increase their hours seems to be both unworkable and unfair.

Work is transformative. It gives you a greater chance of a greater income. You can affect your life while you're of working age, so you have scope and opportunity. Pensioners do not.

Do not underestimate the determination of a quiet man.

If you look at the footballers, you look at our celebrity culture, we seem to be saying, 'This is the way you want to be'. We seem to be a society that celebrates all the wrong people.

Aspiration, it seems, is in danger of becoming the preserve of the wealthy.

Look, I've always said from the word go many years ago that I felt the whole bonus culture, they need to think very carefully about being detached from the rest of the British public.