hawker750 - I think your age (and therefore your generation) go a long way to explaining your views...I sometimes wish I were born 60 years ago...I would probably then agree with what you say. Trouble is the world has changed...and not always for the better. I can't help but feel totally scr*wed by the Gov. but would/will the Cons. do any better for us? I don't think so.
I've just claimed my £850 allowance (back dated of course) and have spoken to a couple of Accountants...eye opening stuff!