Welcome to the MountainJam saving scheme. Here's the terms and conditions. I will give you ten per cent interest per annum on every pound you invest for your future retirement, guaranteed. However your not allowed to get your hands on your nest egg until you have satisfied the investment time criteria of thirty years, You will be able see how much you will receive so that you can best plan for retirement. Honestly. There's no catch unless i decide to move the goal posts and extend the investment period, reduce your interest rate and give you less at the end. What do you mean that's not fair.....get on with it....and how dare you complain!

All public sector workers are being made to eat the bitter pill created by the ineptitude of the banks. Villains they be, created from the spin of press and politician.