Forward Assist,
Seems like this could become a good thread, and will be interesting to see what others make of your comments. I can only agree with you - I have become more and more disheartened over the years and really can't see anything making me want to stay in for longer trhan I have to. I think it will be a struggle to make it to pension point!
Look forward to someone coming up with a realistic way forward - I can't!!