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| 1. | Memorandum from Irene Filler
| 17 |
| 2. | Memorandum from Anne Morley-Priestman
| 17 |
| 3. | Memorandum from Graham Brown, Pensions and Occupational Health Manager, Barnardo's
| 18 |
| 4. | Memorandum from the Carnegie Third Age Programme
| 18 |
| 5. | Memorandum from the Institute of Management
| 20 |
| 6. | Memorandum from Devon County Council/UNISON Devon County Branch
| 23 |
| 7. | Memorandum from Age Concern Scotland
| 26 |
| 8. | Memorandum from the Employers Forum on Statute and Practice
| 28 |
| 9. | Memorandum from the Chartered Institute of Personnel and Development
| 30 |
| 10. | Memorandum from the Recruitment & Employment Confederation
| 31 |
| 11. | Memorandum from the British Association of Journalists
| 33 |
| 12. | Memorandum from Manpower PLC
| 33 |
| 13. | Memorandum from the Freshstart Trust Ltd
| 36 |
| 14. | Memorandum from the Employers Forum on Age
| 37 |
| 15. | Memorandum from the Transport and General Workers Union
| 57 |
| 16. | Memorandum from Age Concern England
| 58 |
| 17. | Memorandum from Research Department, GMB
| 61 |
| 18. | Memorandum from the Association of Retired and Persons Over 50
| 65 |
| 19. | Memorandum from Age Concern Waltham Forest
| 67 |
| 20. | Memorandum from the Confederation of British Industry
| 67 |
| 21. | Memorandum from the Business Services Association
| 72 |
| 22. | Memorandum from the Institute of Directors
| 73 |
| 23. | Memorandum from NASUWT
| 78 |
| 24. | Further memorandum from the Carnegie Third Age Programme
| 80 |
| 25. | Memorandum from Mrs Eileen W Nightingale
| 81 |
