You are living on cloud cuckoo land matey.
I can assure you I'm not, matey. (If you object to the patronising term 'matey' then edit your post above and I'll edit mine. Forgive me for my testiness but my future is at stake - maybe not yours?
Cleverer people than (you? &) I are looking into this as we speak. Do you understand that we are dealing with projections?
based on estimates of such things as interest rates in 20 years time
From an ex-actuary above
BTW, you're not related to the Prince of Darkness, are you? Or perhaps BA management?