BIRMINGHAM, ENGLAND - SEPTEMBER 20:  Steve Webb MP, Minister of State for Pensions,  speaks at the Liberal Democrat Autumn Conference at the International Convention Centre (ICC) on September 20, 2011 in Birmingham, England. Pensions minister Steve Webb warned against pensions unlocking firms and said he will prioritise reducing charges levied on pension funds, in his speech at the parties annual conference.  (Photo by Matt Cardy/Getty Images)