Brian, the only people pushing private pensions are slimy money grabbing pension providers, and government, who would love it if they could do more to avoid what they should have been doing for years, that is, ensuring that there was sufficient money coming in from our NI contributions and Taxes to provide a decent state pension, instead of using our taxes to fund illegal wars, poking their noses in other countries affairs around the world, and their other foolish grandiose schemes, so I until that happens I will continue to say that paying into a pension, rather than providing alternative ways for retirement is a mugs game, as was pointed out very well in a post yesterday by Mick.