OK yes I give in. Being told that on inspection "at least one apple is good" is less of an effect on probability than seeing that one picked at random is good. Probability of picking good a… (View Post)

Checkmate ;) (View Post)

Yep, all good suggestions. I have very fond memories of bagging peaks all across the Highlands nearly 40 years ago. And I got my longing for the Highlands from a family holiday way back in 1976 when … (View Post)

If previous precedent were to be observed, then existing higher TFC entitlements would have to be protected, and the new lower limit would actualy bite harder on younger high earners. But we're in un… (View Post)

There has to be some net incentive to save in such an inflexible long term vehicle. Even then, I'm not sure anyone would be well advised to put money into a personal pension if they only get 25% tax … (View Post)