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Thanks for that, Richard, but my point is, is that right? Why does everyone simply not get paid a salary and they have to provide their own pensions, etc? Why should my daughter, say, have to provide for her own pension, but judges do not? I have had to make contributions to a pension scheme since the age of 30. Why was I not paid a salary which included a pension? I have a friend who wisely made pension contributions to a private plan. Unwisely he paid them to Equitable Life. And small law firms are no longer worth anything, so the capital value of that was nil, largely due to run-off liabilities. The nanny state is just too nanny for my liking with the result that everyone expects it to provide from the cradle to the grave. Pathetic.