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  It is indeed a mine field Howard but dumbing down the language to the lowest common denominator is the least of the problems.
  
  The latest worry is in respect of people getting caught out by auto-enrolment and in so doing breaching Lifetime Allowance protection rules that could cost them tens of thousands of pounds, possibly even six figures, in penalties. Add to that the second rate cheap and nasty NEST scheme that people are not allowed to transfer out of and we have a massive potential problem.
  
  The only good thing to say is that action is needed to get people into pension schemes and for most people something, even in a poor scheme like NEST, is better than nothing.

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