May I continue, please? Thank you. Staff can enrol themselves into an ESG option available, but need to know which questions to ask. My team member has now been provided with the details—[Interruption.] May I speak, please? Thank you—of the pension fund manager so that this can be followed up. However, and I quote, my team member told me, 'As a member of staff, I find that I am having to do most of the legwork of getting to the bottom of finding out just where my new work-based pension is being invested.' I think there's a lesson for us all in this, in ensuring that we make it as easy as possible for our own staff, as well as the wider public sector, to ensure that their pension is an ethical one. After all, shouldn't this be an opt-out rather than an opt-in going forwards? 

And why is it important? Not only is it the right thing to do ethically, but it is also right we do it for the future of our planet. I'm grateful to all of my constituents that have contacted me on this matter and shared with me research undertaken by Aviva with Route2, in association with Make My Money Matter, and as part of Aviva's partnership with WWF UK. It found that moving the national average pension wealth to the sustainable fund using their calculation is 21 times more effective than the combined annual carbon savings of switching to renewable electricity providers, substituting all air travel with rail travel, and adopting a vegetarian diet. 

My constituents who feel strongly about this rightly also feel that setting a 2030 target is not good enough and that this change should be made now. After all, we saw during the height of the pandemic things that were previously deemed impossible become possible, and international co-operation reflective of the urgency. Yet, when it comes to the climate and nature emergency, and as we saw at COP26, we continue to see a reluctance to act, despite the situation our planet faces. We shouldn't take what fossil fuel companies are telling us at face value. I'm sure many of you saw Caroline Dennett's explosive resignation working as a senior safety consultant with Shell, accusing the fossil fuel producer of causing extreme harms to the environment, and stating:

'I can no longer work for a company that ignores all the alarms and dismisses the risks of climate change and ecological collapse because, contrary to Shell’s public expressions around net zero, they are not winding down on oil and gas, but planning to explore and extract much more.'

We must do this. It's not an option. We are able to do it here in Wales in terms of our public sector pensions. We are told time and time again that it is too complicated, but, as was illustrated by Cefin Campbell, future generations demand this of us. Otherwise, there will be no point to them having any sort of pension fund.