The end of the year usually brings the obligatory look-backs and crystal ball gazing into the 12 months ahead.
There is often the temptation to try and put a line under what has happened in one year and make a fresh start for the year after. However, there are two major issues which are not going to be easily...
Equates to seven million people
Beware ‘sting in the tail’
Still 66% women in lower quartile
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Introducing admin fee