No policy is ever put forward by the Government without the use of the word "stakeholder". MPs could begin to address the problems raised in the Adair Turner report by becoming stakeholders in the pension crisis. They, and other public sector workers, should be required to ditch their final-salary pensions and switch to schemes where the worker takes the risk. The money saved should be used to boost the value of the state pension, which for many pensioners is the only income they have to show after 50 years' worth of hefty taxes.