As we couldn't sum up the shambles that is the government's pension policy any better, we'll just let the Sunday Times' leader writer say it for us:
New Labour has a simple message for savers: be prudent and frugal and we will penalise you. Your feckless neighbour, however, will get the full range of government help. Whether it be with failed stakeholder pensions or reducing tax advantages of individual savings accounts (Isas), the chancellor has left a trail of destruction through the savings culture.