BE - what does the great new pension under NAPS3 actually cost you? If I go at 60 I'll get 17% more pension than if I went at 55. However I will have to live at least 25 years in retirement before I recoup the pension money I've lost in the years between 55 and 60, and thats before I include the increased contribution costs I'll be paying for the rest of my career and factor in the future raids on the scheme BA will attempt. I'd rather have a lower pension and the health to enjoy it. A fat lot of good will be 17% more pension when I'm dribbling in a bath chair and don't know what my own name is.