1. The Royal Society for the Encouragement of the Arts, Manufactures and Commerce (RSA) is one of the world's oldest ‘think tanks’. Unlike many such institutions, it sees its role not just to transform government policy, but also to catalyse private and social enterprise to address social needs.
2. See for example the NAPF publication, Fit for the Future: NAPF's vision for pensions, whose opening paragraph declares, ‘Our pensions system, which was once the envy of the world, has been transformed into one where 12 million people are not saving or not saving enough’.
3. National Insurance Fund. (2008) Annual Report 2008.
4. Office of National Statistics. Annual Survey of Hours and Earnings.
5. Family Resources Survey, Department of Work and Pensions 2004/2005.