PS. how about this for a bit of deviousness from the TPA on pensions 'apartheid':
If you want more on the scale of the divide you can read our report (PDF) on public sector pensions or the Institute of Directors' recent report (PDF).
Quoting the IoD report as if it strengthens the TPA's position is really weak, given that the IoD report was written by someone who worked, until very recently, at the TPA. Desperate!