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Don't honestly know - as most people imo don't give a monkey's - but I am in full agreement with the points you make

Jones - ISA's are as you say tax free now but whose to say what will happen in 5 years time. For example, students used to get free tuition, you could contribute an unlimited amount to your pension pot before it was capped at £1.8m, £1.5m and now £1.0m etc etc. If governments were to remove exemption from tax, I personally would have thought it…

PKA - the £1m limit is an issue whatever your age - albeit more penal after 75

You haven't considered the point of those not being paid whilst queuing to get out in conjunction with being paid at a rate lower than the NMW + 12.5% - it is the two factors combined that give rise to the problem

Do the maths then - if the average of all workers is 12.5% above - then what is the likely range? i.e. some people by definition will be below that unless every single person is being paid NMW + 12.5%

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