a much more transitory work force, an ageing population, one that hasn't been addressed by any government, why not, its not as though they don't get old, and surely this problem has been around long enough, not to mention that due to better care, healthy eating, and lifestyles we are living a lot longer, getting to sixty, not so long ago would have been considered old, now its not. Now because the whole pension pot thing has boiled over, short-sightedness on everyone's part, you will have to work a lot longer to likely get less.