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GM I don't understand what point you are trying to make, a teacher who retires on the current final salary pension will not need bailing out by anyone that's my point. That is what they signed up to and what they have been saving towards through their contributions. You want that to change so that the teacher would incur the risk that he/she may need bailing out. Are you now arguing against your own position? We will have to agree to disagree on the solvency of Guernsey. I believe it is financially solvent by any measure it just needs to organise its finances better to fill the zero ten black hole and this will be done. I believe the education and health services can be maintained and indeed enhanced in years to come. You are suggesting the public sector pension joepardises these services but I have seen no evidence whatsoever from any official source to substantiate that claim.