Acknowledgements

Although the pensions crisis is real, it certainly hasn’t been created by the pensions industry. One of the pleasures of writing this book has been the positive and helpful reception we have received from people who know about pensions. They are all too aware of the crisis and are concerned that very few members of the public appreciate its impact. Whenever we have asked for help we have received it – and we have asked far too many times to mention everyone. So if you are one of those many people who have assisted us during the writing, please accept our thanks – and also our apologies for not having the space to mention all of your names.

We were not experts on pensions when we started this project, and we could not have completed ...

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