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    Darren... the point you are making about tax is why I am saying that the best way is to have simpler and lower taxes. HMRC will collect more revenue that way. There has always been a battle between revenue and taxpayers/advisers and the tax code has increased in complexity expedentially to try to plug it, but it never will and all you end up achieving is the opposite to what you want. Human nature is what you are up against. Remember that despite that 27% of Income tax is collected from the top 1% of earners (on over £150,000) and 53% from the top 10% (everyone over £48,000).

    As for pensions, yes I can see the point about envy but remember that the 'gold plating' is justified as very few people outside the public sector can get defined benefit pensions that are fully indexed. The simple fact is that statistically most people are paying more through their taxes for public sector pensions than they can afford (or choose to afford) to pay into their own. Bear in mind as well that a recent survey shows that on a like for like job comparison the public sector are paid on average 7% more than the private sector. This combination is one that is not sustainable and is actually dangerous for the public sector employees iin the longer term.

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