I'm glad you feel the benefits of leaving hairyfairy. The scheme is only really of benefit to those who were 55-56 when it was offered as it takes a year before you exit. My main motivation other than offloading the pressure is to crystallise my pension. There is no pension fund, only a 'scheme' based on government promises funded from future taxation (like the old age pension)! When the international debt crisis hits all such promises will be at risk, including the risk of bank depositor bail-ins! 'Four birds in the hand are worth 5 in the bush'.