Jees, am I glad I'm out already soaking up that £225 a month from my 16 year point.
But wait, I then went into a final salary scheme with an airline, and I'm about to lose that (partly my own choice, but it won't survive anyway!), and now just over eight years to sort the bloody mess out.
Still, I suppose that all the time we rely on actuaries who think we all die young to design the pensions, and a bunch of crooks in Westminster, who can vote themselves a far better deal, to set the tax rules, what can we expect?
Fries with that, sonny?