Stanley, Ginseng et al
As promised, I spoke to Pensions Glasgow this morning, and after getting them to recheck the pensions regulations they now agree with the advice given to Stanley - it would have been nice if they had done this at the beginning.
I was one of the first to question the accuracy of the online pensions calculator, but I must now accept that it is correct in its calculations.
I wholeheartedly apologise to all readers if my comments have added to the fog of confusion which surrounds this important area.
D4R