Micky, you would be surprised now days... old jobs may be like this but new ones are deffinatley not.

Pubic and Private are very similar for new jobs. The Public sector also get much more help with mortgages and obviously their pension. Doctors generally are not soely employed by the private sector. The likes of BUPA etc use the same doctors as NHS which work outside their hours or a couple of times a week and obviously get paid vastly more money... understandable really as they are specialists and working outside their hours.

Your example of the to the 1.6 is a little vast. It would simply be an without the sat nav installed. They don't lose their added £100... they simply need to pay this in to get the top contribution which will allow them the full final salary pay. At current if they don't pay the extra £100 they won't get the full top up.

Where is my pension in all this whinging by them?