A Minor is one of my all-time favorite keys to play in. It's a very moody key, and also 'A' is the first letter of my name. It just represents the songs through my eyes.
I would not be opposed to devising a new system of pensions, in which one part was based on collective provision, but which also gave incentives for people to take out an additional, personal plan.
Scientists tend to be skeptical, but the weakness of the community of science is that it tends to move into preformed establishment modes that say this is the only way of doing science, the only valid view.

