Al, I can but echo TOFU's praise and thanks that he heaped upon you and yes quite well thanks, hope the same goes for you, though I suspect that Osborne's bombshell is going to keep you mighty busy for quite a while.
So annuities dead, draw-down going that way too, so where from here? Rhetorical question I guess as events dear boy will point the way. Mrs Chug was about to get one annuity from three separate pension plans, but I think this a sit on your hands moment, while we consider what to do about all the flashing lights and loud klaxons that have suddenly erupted. As you say, interesting times!
Bon chance mon ami!