Ah man the cost of existing, in the U.K. we are put into a pension scheme (on top of N.I which is already for pensions) without choice, and trying to opt out they haven’t even given me an enrolment number which you need to opt out, but there happily taking 15% of my pay (which they say the are matching) on top of 20% tax, 4% N.I and student loan, and as soon as I opt out I lose that cash. Fuck em is the sentiment I’m feeling, thanks Jeff. My mother has a house in Portugal in the sticks, once I finish my teacher training I’m out!