Thanks for the heads-up, and a Merry Happy Christmas.
Personally, I think that dour Scots git has hit us 3 different ways:
1. The basic 5 billion theft per year.
2. Less fund money going into the stock markets because of 1).
3. Stock market poorer performance due to 2).
Knock on, knock on.......
And I think that therefore year on year, the 5 billion has a proportionately greater effect in real terms.
However, at the risk of being called a cynic, I notice none of this affects the MPs' pensions schemes............