My question is have we done enough to make sure our master understand the difference between the way Americans and British people fund retirement. In the States people build up stock market holding to fund their retirement often with access to stock options. In the UK things are very different in that we depend heavily on our pensions. A friend used to work for Xerox. In the states they did not have much of a pension getting options and discounts on shares. In the UK they had none of the above but a better pension, which still pays full RPI