1. Why has the government legislated for the new national pension scheme to involve auto-enrolment?

2. The last two UK governments have used universal benefits, such as winter fuel allowances and free bus travel, as part of their approach to eliminating pensioner poverty. What are the advantages (and disadvantages) of this approach?

3. If you could find out, with some associated probability, when you might die, would you choose to find out? How might the answer affect the way you live today?