TankerTrashNav........agreed, although those on shorter engagements will eventually get something even if it is 12/37ths at age 55...65? Its those who don't make 12 years or are under pension age that suffer.
I joined at 16 as one of Trenhard's finest, commissioned in my late 20s so my pension start point is 21, thus losing 5 years of 'contributions'. I seem to recall that my pay increased at 17.5yrs old and again at 18yrs old which could have been down to pension pay abatement. Admittedly, I could have got 3 years 'contributions' back by transferring to AFPS05 but didn't. Don't misunderstand me, I am very happy with my AFPS75 pension, especially on top of my salary!