Morale
Chinny,
You are correct that Civil Servants have had their pay frozen for 2 years. Whilst those at the higher end of the salary scale may have some degree of insulation from this, those in the middle to lower wage bracket are going to struggle, no question.
That having been said I personally believe the recent cuts to the forces allowances are frankly disgusting.
Comes from successive governments wanting to play on the world stage and only wanting to pay an Austin 7 budget for it!
Clear skies.
BL