down so well in the current political atmosphere in the conservative party. this is one of the reasons they ended up with ni, because they said they wouldn't put other taxes up and they are desperate to be able to go into the next general election offering an income tax cut. but we'll see. just as you guys have spelled out lots of reasons why people are going to get hammered, claer and stephanie, can you leave us with the niftiest saving tip that you can think of? stephanie. oh, my god. she does macro! that is why it's fun to ask her! that is a good point. let's ask claer while you think. two words that you need to know if you're a higher rate taxpayer especially are salary sacrifice. most company pension schemes work where you sacrifice a portion of your salary for the future into your pension, and you don't pay income tax or national insurance on that money that you pay in, plus sometimes, because the employer also doesn't pay national insurance on the money that you put in,