You know the pension crisis is a major issue when the tabloids start launching crusades for justice. The year continued many of the usual cheery highlights expected these days such as the closure and/or failure of several DB schemes again making the headlines. The extent of the malaise was revealed in the long-awaited Turner report published in October and although nothing new, its well articulated arguments hammered home the seriousness of the savings gap. One of the Government’s flagship policies intended to narrow the gap. Stakeholder pensions looks to be dying a death by 1,000 cuts with Norwich Union, Scottish Equitable and Standard Life all slashing commission rates and launching non-stakeholder products in preparation for the basic advice regime.