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GM We are not talking about just rank and file civil servants, we are talking about teachers, nurses, all public sector workers. There is a wider issue in relation to the demographic timebomb which goes beyond the public sector pension debate. Re UK insolvency, the point is the companies have to ensure the schemes are properly funded and the requirements are onerous. Guernsey is not a UK company but if it was it would not be insolvent and the pension scheme is very well funded. Clearly staffing levels is a separate issue which is based on the requirements for delivery of the services deemed essential. Cutting remuneration does not justify surplus staffing.