׉?<ׁB!בCט  ΁u׉׉	 7cassandra://RMv3s30AOwrAIeScjdpgQyMjHZkgscyseb5Etlnw9v8 `pj׉	 7cassandra://IjVjmBVR3E0XElEM4sREPjztzFK33KgkqC798TBgsbwͦ`6׉	 7cassandra://yHWm_uaSzZ0AONIjxfzOKpaV4ZghW1yjM1qBU-amxd48`̥ ׉	 7cassandra://53cX1KDFfhJJ_qXdW3NFynrIyDe1Ffe7uV3DaDBBL-g ? $͠|WQ䰍׈EWQ䰍׉E׉	 7cassandra://yHWm_uaSzZ0AONIjxfzOKpaV4ZghW1yjM1qBU-amxd48`̥ WQ䰍WQ䰍6בCט   ΁u׉׉	 7cassandra://nnlmQ6O7rY3PYtkJMcPw_hqUIm0xLzz1lSTnNs_1Iisk` pj׉	 7cassandra://yz7UmMHcuq5UXAXdhWnij4W0f0wFE9ubBzWKpPmHgiE
l`6׉	 7cassandra://Z-Vq0K_qovc4gESvfB-pikQGAIIy-okwZdS1ZNbV0U4`̥ ׉	 7cassandra://3p_7LVbVg4wWKWTs8lMfYZ7GK2S94oOIE1dDxTRt7Zw](.͠|XNH8ט  ΁u׉׉	 7cassandra://FMv46nfEkRV3se6otldWzwV-Z6wg3y00AcGDipjKfI4 `pj׉	 7cassandra://3MLDEMQvxfcXfSj6G0N0vxyApQyTULlzrIwu3YdqMGÙ<`6׉	 7cassandra://AaS_UF23gUibeYIbNc2IMwcWpqy18FfojabgZJTToeM*f`̥ ׉	 7cassandra://_zPRmFaAidHJQ8IyyJM3beF4KM1-MCDdqwXpjXmLpp8 2͍͠|XNH8׉E 0Copyright © 2016 Steve Bee
All rights reserved
׉	 7cassandra://Z-Vq0K_qovc4gESvfB-pikQGAIIy-okwZdS1ZNbV0U4`̥ XNH8׉E OHave you heard of the
‘unstoppable ball and
the unbreakable wall’
paradox?
׉	 7cassandra://AaS_UF23gUibeYIbNc2IMwcWpqy18FfojabgZJTToeM*f`̥ XNH8XNH86בCט   ΁u׉׉	 7cassandra://OqbUyuyScq0Nn3sNa6gjsaxrMkv8AU7sIUlpauqA9eU ߝ`pj׉	 7cassandra://2mBA8XFM4yeY-StPoqMKOmRb-CX0AvRvxIqD9NN2slk͜`6׉	 7cassandra://uzjAb9skQ-fdgipj5D0zz0fj9hPt4f2MswOFW9cIRX826`̥ ׉	 7cassandra://NVSX27lMtOj73WZ2ZXEkk470LppbqUf3aGPhdGCWep8 ͠|XNH8ט  ΁u׉׉	 7cassandra://ucXP-2fHfeLZp9PSeHINljsMpZtS_JuWtW4A2PqKGho ``pj׉	 7cassandra://ldgZf3Ci75aFRjQsJPY5ey0u7CYa5BxFMiP87whKQzYy`6׉	 7cassandra://zJ0TDI8kuU0PRHFP5HkC6itWjTfXP592YdeMJmlEp2Y(`̥ ׉	 7cassandra://d55mFr9LIOkcyv2Qk8s9J4v_OSJnxuKhOEDxtcnHY1o $-͠|XNH8׉E wso what would?
what
what
would
what?
would happen if
an unstoppable
ball were to hit an
unbreakable
wall.
oh, right...
׉	 7cassandra://uzjAb9skQ-fdgipj5D0zz0fj9hPt4f2MswOFW9cIRX826`̥ XNH8׉E2…well,
either the wall
would break or
the ball would
stop.
that’s the flaw
in the paradox
really…
…that an
unstoppable
force and an
immovable
object...
…simply cannot
co-exist.
so if there is
…there
such a thing as an
irresistible
force...
cannot also be
such a thing as an
immovable
object.
?
׉	 7cassandra://zJ0TDI8kuU0PRHFP5HkC6itWjTfXP592YdeMJmlEp2Y(`̥ XNH8XNH86בCט   ΁u׉׉	 7cassandra://eVrN0UuqPLtbrI6jGTy59hroZGkEQy9hvCruwreF01M f`pj׉	 7cassandra://m_4awMl4UB-stn45m-B1Jw4Am3nos4ULJM-lAN_4buc͊6`6׉	 7cassandra://aJvgwZkHkCWoL5YG2Zv3j0HvmdQ7RhNWASBM8WtZuMA,`̥ ׉	 7cassandra://MUk2VvzRMj3OF44XdyAdNTZPvuXdHkvKyfI9k1NaNiQ ͠|X䰤tNט  ΁u׉׉	 7cassandra://XYc2bzx0lcw17s-iua4TOmaK8f64uUbZPZFzAPt3LCs  `pj׉	 7cassandra://ZiLK6t1TKPyG6sPMvvVBilJ5VpO9qsLsPEpl9oF3iOcͤ``6׉	 7cassandra://9F86MkVBjUJPHook6HNC4pTYHt5E7gzyMhk6tDf-U3Q2`̥ ׉	 7cassandra://CMAVaOAAYnt__w6QX7IZ-Tt2868bTgeZUEauqmOb7WE 9͠|X䰤tNנ    C!9׉Hhttp://bit.ly/2em0aPmG׉ׁ
default style נ t   'Z-9׉Hhttp://bit.ly/2dOCqlpG׉ׁ
default style ׉E\…about
why are we
talking about
this?
Oh, it’s just
something I read in
the newspaper this
morning...
the WASPI
campaign hiring
lawyers to take legal
action against the
DWP.
it Seems
to me The WASPI
campaign has grown
into something of an
irresistible
force.
but excuse me
a minute, i’ve just
got to explain
something to the
readers.
Hi!
so
nice to see
you - not that I
can see you,
obviously, but you
know what I
mean...
…this is just to
quickly explain that
this is a new kind of
comic strip i’m
experimenting with
that contains
hyperlinked
objects.
if you click
on the
newspaper in the
first panel up
there, for instance,
it will link you to
the newspaper
report so you
can read it
too.
why are you
talking to
yourself?
we’re
what
readers?
i’m not; I was
talking to the
readers.
the readers
of this comicstrip.
in
a comicstrip?
yeah,
sort
of.
׉	 7cassandra://aJvgwZkHkCWoL5YG2Zv3j0HvmdQ7RhNWASBM8WtZuMA,`̥ X䰤tN׉Ebut getting back to the
not again? I thought
you were going to
concentrate on your
fine art stuff in
future.
I am! i’m still
working on my
Giclee prints, it’s
just that i’m still doing
a few cartoonstrips
too.
raising
debates in
Parliament is one
thing, but if the answer
to every question is
always ‘no’ then other
avenues would clearly
have to be examined
and tested.
WASPI thing - I think that the
campaign has now risen to national
notice and sooner or later
things were bound to come to a
head.
but do you
it’s increasingly
seemed inevitable that it
would end up like this -
testing the unstoppable
ball against the
unbreakable wall.
think WASPI
really is an
unstoppable
force?
it seems so to me,
and being tacitly
mentioned in last week’s
there was
nowhere else
for the argument
to go.
and WASPI are
all over the
media all the time
too!
interim report on the state
pension indicates others
see it the same way as I
do.
A good example of
i’m not
their support is that I
wrote an article on Linkedin
a year ago explaining the
WASPI issue and it had
12,000 people read it.
being funny, but
the pension stuff I
write does well if 12
people read it - to get
12,000 to do so means
the topic is widely
followed out
there.
׉	 7cassandra://9F86MkVBjUJPHook6HNC4pTYHt5E7gzyMhk6tDf-U3Q2`̥ X䰤tNX䰤tN6בCט   ΁u׉׉	 7cassandra://p88p4bVlh0hpEpJ8NACyp4N7NqDhLfy65QOIhJCz-Ms G` pj׉	 7cassandra://vGTmzs95oLkGc1vUnjucylunT7RIOr99bv3_x73eUqA͔U`6׉	 7cassandra://Bw7P3jk2ICb7rFpfeHJHuILY653fGU7Rnx6dLVMO9IE.s`̥ ׉	 7cassandra://polemZZMXKvu4WWR_PleUeMGfCbev2sj6bh8cYoadQk P͠|XNH8ט  ΁u׉׉	 7cassandra://2c-cPkGsAm_9XQAImvwpZMd8eHr5lFRy9PYsWHLtIAo `pj׉	 7cassandra://R_iERl6qfKUrJ-9XdopAEpEvBpkRVRrHDMPQNtwFyksͧ`6׉	 7cassandra://jDPaTwPAsFs6VsHtOwUaURFx3MUiRQkqHKJ5KC4uNIE2`̥ ׉	 7cassandra://8JOG9sYvgVpBvFqCKjBS6cZd9uVv17d2FlnT4nqmvN8 ͠|XNH8Ǖנ 
~   22̖9׈HG׉ׁ
default style נ 
   ǁ̮̾9׉Hhttp://bit.ly/2e6HtAJG׉ׁ
default style נ i   ̫&9׉Hhttp://bit.ly/2e1HS6tG׉ׁ
default style נ 	   w̒̾39׉Hhttp://bit.ly/WsL3smG׉ׁ
default style נ    Z̙̈9׉Hhttp://bit.ly/2dnPy4XG׉ׁ
default style ׉E…I
you can
read the article
on my phone if you
don’t believe
me…
and so can
you if you click on
the phone in the
last panel.
also wrote
this other
piece recently too
and thousands of
people have read
that as well.
you may
also have
noticed the
coloured text in
the word
balloon on the
last page
that’s
clickable
too.
a large part of the
problem rests with the
now famous 1995
pensions act.
many more people
these days now know
that was the act of
parliament that introduced
the equalisation of state
pension ages for men and
women…
…but back in 1995 I
remember the big news
story generated by that
particular act was the
maxwell scandal.
that
it would
seems to me to
indicate a real
problem with the
way pension acts are
stacked with stuff
covering various
aspects of pensions
all at the same
time.
have been a lot
better if the pensions
act addressing the maxwell
issue hadn’t also been
used to introduce a
fundamental change to
the state pension
system.
the
newspapers
had the maxwell
story plastered
all over their front
pages. for years it
was the big media
story on uk
pensions.
Why the
WASPI
campaigner
s are right
to complain
WASPI
and the
state
pension
system
׉	 7cassandra://Bw7P3jk2ICb7rFpfeHJHuILY653fGU7Rnx6dLVMO9IE.s`̥ XNH8׉Eeven
it was the
four years
later when I made
that appearance on the
jeremy Clarkson
show, which was as
close to light
entertainment that
pensions ever
got…
…the
maxwell issue
was mentioned at
length.
one pension topic
that you could rely
on most people
having heard about in
those days so it
needed no
explanation.
the same
wasn’t true about
the raising of the
state pension age
for women
though.
for it to have
few people
would have known
about that at
that time.
been generally
known it would have
had to have made the
papers in the way
the maxwell stuff
did.
but I think any
attempt to get
another pension
story out in the media
in those days would
have been very
difficult.
…and that
eventually it
for me, at that time, my
main concern was that the
basic state pension was
becoming worth less and
less every year...
would become just
that; worthless.
That was the
issue I chose to
bring up on the
clarkson show that
night. I thought it was an
important issue that
ordinary people
needed to
understand.
׉	 7cassandra://jDPaTwPAsFs6VsHtOwUaURFx3MUiRQkqHKJ5KC4uNIE2`̥ XNH8ɁXNH8ȁ6בCט   ΁u׉׉	 7cassandra://9TPs-iUZFpTvkgJis_Y4Nck1eGFdC82KWcBnrH0Twkk `pj׉	 7cassandra://DFL24rmYNOVbpBv0xdZR-BUUh_QZ1NZMeoFsaQ8zY24͛`6׉	 7cassandra://n8VcGKaXi3VRcutSt50ZLuu4LJ2mEOHkojDbJoUx4Hk0`̥ ׉	 7cassandra://s3ar_Jqsmw7U9v7ecjiOapYt_5oRLcJXSN6LxBu5euE F!͠|XNH8ט  ΁u׉׉	 7cassandra://Q4vmYUFGoD9FMDlFCfqvftm1NItf3PWaq2M7lwALzok `pj׉	 7cassandra://3qMbPEIqiZgUq4rxXE-jyOGhfavBJg85YBV1IkdKILw͠`6׉	 7cassandra://FQFYlu4gSJHVbnN4851EAD3W7o6cFmeuNt9fE4OknDA0+`̥ ׉	 7cassandra://g9_armyWgts7uvGSBvoeRRBDoH3_kJDQWd7cMmJbtbE +V͠|XNH8׉Ethat was a
but even that wasn’t the
only big pension issue back
then - I spent most of the next
seven years campaigning to get
the government to look at the way
means-testing undermined
private pension savings.
hard message to
get across at
that time…
because
the
government
and the whole
pensions
industry were
fixated on the
new
proposals to
completely rewrite
the
pension tax
laws.
the
…to what
‘simplification’
of pensions was
the only show in
town in the runup
to 2006…
were called the
‘A-Day’
reforms.
a-day was sort of
like a pensions version
of d-day…
…except we
lost!
but all of those
issues that had consumed
the pension industry for a
decade and a half were soon
overshadowed by the then
government’s next big
idea…
…autoenrolment.
׉	 7cassandra://n8VcGKaXi3VRcutSt50ZLuu4LJ2mEOHkojDbJoUx4Hk0`̥ XNH8׉Ethat issue, which
required the end of
the state second
it is a major
undertaking that will
affect almost everyone in
pension, was probably the
most fundamental
reform to our pension
system for over 100
years.
the country and although the
reforms were started in
2012 they are still being
rolled out today in
2016…
…and will
not be completed
until we get into
the early
2020s.
those
…to
reforms were
considered
important
enough to
merit …
…an
expensive and
high-profile
national
advertising
campaign…
ensure people
hear about
them.
but even
so, I still
meet plenty of
people today who
have never heard
of autoenrolment.
the
fact is
getting messages out
about pensions isn’t
easy at the best of
times...
…and it certainly
hasn’t been easy over the
last twenty years as we’ve
seen such a quick succession of
fundamental changes
coming one after the
other.
by the first decade of
the 21st century the
government must have thought
that the equalisation of pension
ages was something that people
weren’t too bothered
about...
׉	 7cassandra://FQFYlu4gSJHVbnN4851EAD3W7o6cFmeuNt9fE4OknDA0+`̥ XNH8́XNH8́6בCט   ΁u׉׉	 7cassandra://v4amHdG7YrtRioJiO4l29-cwBXA7oNaFqQAMvj9-7JQ \` pj׉	 7cassandra://7JQbcGUjwE598fjY474cW3Vnaxek-IPX_B9kIc3h_HM͢Z`6׉	 7cassandra://Szuy8Qr-YJ5eB1hvGKRRSfTb2HEhE_NpJqBI1Z1Ixi0/\`̥ ׉	 7cassandra://pXzyQ1qGbkehphv3Fm5GoTENjalhCP15WLPrsPm6Bm4 ΂͠|XNH8ט  ΁u׉׉	 7cassandra://df3VUnqolAD5WxDDQxDC4foRwhqUh2BLHRHmlo3gAlE Z`pj׉	 7cassandra://tKhbDglIVxMP8n5Sc_eLSnqWpybxfxvCn6f9B8Jlldoͬ`6׉	 7cassandra://_Tq9Ftq91DwYojtp3JSNlUXPwRWaIN0ZEh-nXfP8Q_05`̥ ׉	 7cassandra://Zqr5oBwP2tkOouu5ZMwqigiIqIxdqIUzPvtHkPMVYi4 ͠|XNH8׉E…after all,
the 1995
they must have
changes had gone
through without
anyone kicking
up a fuss.
been encouraged by
that and thought that
accelerating the
proposed increases to
the new joint state
pension age...
…wouldn’t be a
big issue.
that
but what
they probably
didn’t expect
was that the
implementation of
the accelerated
timetable in
2011...
those most
immediately
affected were
women born in the
1950s...
…some of
them saw their
…would be the
first time many
people would have
heard about the
original changes
made back in
1995...
…and by the time
they found out there
…and given that,
it’s hardly
surprising some of
them did make a fuss
about it.
was little or nothing
any of them could do to
accommodate such a
seismic shift in their
previous lifetime
financial plans.
state pension age
leap forward six
years further into
the future...
…but the
incredible
thing that happened
was that it
coalesced into a
movement under the
name of women against
state pension
inequality - better
known now as
waspi…
… a
movement
started by just a
few ordinary people
who thought things
should have been
done better by the
powers that be.
there was
widespread
disenchantment
with the way the
changes to the state
pension age were
implemented was
obvious...
׉	 7cassandra://Szuy8Qr-YJ5eB1hvGKRRSfTb2HEhE_NpJqBI1Z1Ixi0/\`̥ XNH8׉Ethis was one of
those times when
things like this had
ordinary people came to
understand the way the
pension system in our
country works - and they
didn’t like what they
saw.
happened before, when the
Maxwell scandal broke, for
instance, and ordinary people
became aware their company
pensions were not
secure.
…but the
that movement too
garnered a fair share
of media space with its
campaign to help those
stripped of their
pensions…
WASPI issue is
bigger than that -
much bigger - as it
concerns the state
pension entitlement
to which we all
contribute.
it goes to the
core of what we
think national
insurance is all
about.
what the socalled
waspi
women have done is
more akin to what the
“made in dagenham”
women did in the
1960s.
they
have highlighted
an issue that
affects all of
us.
perhaps
there’ll be a
film made about
the waspi women
some day?
…I do
hope so.
well, perhaps
so…
…perhaps
so.
׉	 7cassandra://_Tq9Ftq91DwYojtp3JSNlUXPwRWaIN0ZEh-nXfP8Q_05`̥ XNH8сXNH8Ё6בCט   {u׉׉	 7cassandra://_oBEfPTaUlyjgSdGQuShnQBJ4_OpalvlDEObsUts2vQg`׉	 7cassandra://brzerZsbRi-u4ETIqxhYk-WnMhoUWhgW1Ox13QdtHic`S׉	 7cassandra://qrcEQ8rrFw_ItpZKzsY9wvA-bTpwP3bs6qnbq2N7jv0`̵ ׉	 7cassandra://enLvkp4Siqp5h3ojaccyZWi8e1CUoq-awgaqHXIy1Rk  l͠XBD^ZXנ  SEm   La9׉Hhttp://stevebee.comG׉ׁ
default style ׉E׉	 7cassandra://qrcEQ8rrFw_ItpZKzsY9wvA-bTpwP3bs6qnbq2N7jv0`̵ XBD^ZX׈EXBD^ZXXBD^ZX{,ׁ2ׁ>333 ׁ3   The Freewheelin' @PensionsGuru #Interactive webcomic
Updated weeklyWM[\