Excerpt: Caught another breathless 'sky is falling' bit on the telly this week on pensions. As part of it, they interviewed a pension expert and put up a graph showing that a whopping 71 pension plans were frozen or terminated in 2004. (This number had risen slightly since 2003, thereby cementing the crisis concept). Clearly if you're in one of those plans, it's a crisis, no doubt about that.

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