Just as an aside, I've often wondered whether the pensions crisis may be a blip. The people who are elderley now, say anyone 75 years and older are probably the healthiest generation we've ever had; IE they were brought up during the war years on rationing. How many of todays 30 to 50 years olds will be alive in 30 years time? Not so many I would imagine.
I'm not a medical person but looking at the state of some young people today and they way they live makes me wonder if they'll even reach pension age.