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Quite. Are there still loads of private pensions schemes with huge shortfalls in the UK do you know, or has that been sorted out now?

It's a massive issue. The way my father explained it to me was that any pension scheme was originally designed to pay out for 5 years as people would, on average, be dead by the age of 70. I am not sure how true that is, but it is certainly not that way anymore. He drew a very healthy private...

Personal shoppers/home shopping delivery drivers etc at Tescos for all the lazy sods who cannot be bothered to do the shopping themselves.