And they will also need to reintroduce IP14/IP16 as IPxx if they wish to introduce/and then lower the LTA. My suspicion is the public sector pay disputes will not be resolved before the next election. There was another protection that eludes me for now but you have to stop contributing first. It’s all a bit of a cluster really but that’s what you get when graduates straight out of university go to HMT, not conducive to any form of saving at all actually. I’ll get my coat :-(