no need for prayers
Hiya, go easy, I was just applying the standard terms (two thirds of salary for 40 years service) generally applying to industry. I actually thought the numbers were too high so was expecting praise for a correction. Unfortunately got it wrong so had to duck smartly. Oh well, live and learn. Defined benefits schemes now seem so optimistic in those long ago promises made. To think the UK was self-satisfied at having better pensions than Europe just a decade or so ago but that was before GB saved the world.