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advising people. a good thing. in all your years of advising people, has a good thing. in all your years of advising people, has anybody i a good thing. in all your years of i advising people, has anybody ever said to you, i can t pay any more into my pensions when i retire ? very few! but i probably got a very small sample size compared to the rest of the uk. i don t know if that s necessarily the case, but i think, when i read about the implications, there s a lot of doctors who retire early because of this reason. they were working and being taxed putatively on their pensions, so there was no motivation there. what they ve done today is eradicate it, so that is a good thing. eradicate it, so that is a good thin. ., , . ., thing. thanks very much for speaking to us, thing. thanks very much for speaking to us. david thing. thanks very much for speaking to us, david milne thing. thanks very much for speaking to us, david milne from thing. thanks very much for speaking to us,