It's the nature of my profession to lay down the entire argument when making a case so I'm trained to be verbose and convoluted. I accept that may be a problem when dealing with those who are trained to get a lot of information over in as few words as possible. (I only added this bit so as not to disapppoint you
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You can chose 1.5% if you think that is what you'll get. As that is the figure the Actuary uses and I believe them to be pessimistic I've gone for a lower figure especially based on my recent pay rises. I asked the question just to see what people were using because some have posted figures of greater than £12K worse off.