i dont know if this has been discussed before ,as i,ve only just joined,but i see it as totally unfair that only 30 years n.i. contributions are now required to gain a full state pension,with no regard for all of us from the postwar baby boom,who have contributed[in my case 49 years worth].surely this should entitle us to either a refund of excess contibutions,or an enhanced pension.neither is the case[surprise,surprise].with regard to taking out private pensions[mostly worthless now,what a con].all that has been achieved is the inability to get any state help,as fairly small private pensions take most of us above the "massive"amount of £137,which is deemed to be adequate!!.i,m so disolusioned with politics,i shall never vote again.roll on the lottery win!!