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Two things wrong here. Firstly why are HMG changing the arrangements? Answer for the sake of it. Civil Servants not playing with their own money, again. The change will involve either officials doing this duty themselves or outsourcing the task to another organisation who don't do the job properly and at twice the cost. We have as a society to ensure that Civil Servants have skin in the game. Do a bad deal for the country and lose X% of their (unfunded) pension.

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