Ha Ha Sandy meluvver! Ask Norwich Union about pension schemes and justphil.... At least I am only part time now. Had I stayed in the company scheme I was in, Jen and I would be living in Arillas by now. But I got "bought out" and am living in Somerset to regret it. They acknowledged it a few years ago and doubled the fund more or less, but I am locked in till I'm 65. It will be the 70th that we share at Brouklis.....
loveandhugs
Phil