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</o:shapelayout></xml><![endif]--></head><body lang=EN-GB link=blue vlink=purple><div class=WordSection1><p class=MsoNormal style='text-align:justify'><b><i><span style='font-size:24.0pt;color:#1F497D'>P</span></i></b><b><i><span style='font-size:24.0pt;color:#1F497D'>laces still available. Concessionary price £25<o:p></o:p></span></i></b></p><p class=MsoNormal style='text-align:justify'><span style='color:#1F497D'><o:p> </o:p></span></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 align=left width=0 style='width:0cm;border-collapse:collapse;margin-left:6.75pt;margin-right:6.75pt'><tr><td width=416 valign=top style='width:11.0cm;padding:7.5pt 7.5pt 7.5pt 7.5pt'><h2 style='mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:14.0pt;color:#1F497D'><a href="http://www.ier.org.uk/events/institute-events"><span style='color:#66667F;text-decoration:none'><img border=0 width=186 height=141 id="_x0000_i1025" src="cid:image001.jpg@01CD3E5A.5D5AE870" alt=IERlogo.gif></span></a><o:p></o:p></span></h2><h2 style='mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span lang=EN style='font-size:14.0pt;color:#773B6A'>Pensions: changes and challenges</span><span style='color:#1F497D'><o:p></o:p></span></h2><h2 style='margin:0cm;margin-bottom:.0001pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:12.0pt;color:#773B6A'>LONDON Wed 12<sup>th</sup> Feb 2014</span><span style='color:#1F497D'><o:p></o:p></span></h2><p style='margin:0cm;margin-bottom:.0001pt;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'>Unite the Union, Theobolds Rd, London<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'><o:p> </o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#773B6A'>LIVERPOOL Wed 26<sup>th</sup> Feb 2014<o:p></o:p></span></b></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'>Adelphi Hotel, Liverpool=<o:p></o:p></span></p></td><td width=312 valign=top style='width:233.9pt;padding:7.5pt 7.5pt 7.5pt 7.5pt'><h2 style='margin:0cm;margin-bottom:.0001pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:12.0pt;color:#773B6A'>LONDON Wed 12<sup>th</sup> Feb 2014</span><span style='color:#1F497D'><o:p></o:p></span></h2><p style='margin:0cm;margin-bottom:.0001pt;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'>Unite the Union, Theobolds Rd, London<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'><o:p> </o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'><o:p> </o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><a href="http://www.ier.org.uk/events/pensions-changes-and-challenges"><span style='color:#413839;text-decoration:none'><img border=0 width=222 height=271 id="Picture_x0020_0" src="cid:image004.jpg@01CF12DE.D62E1E20" alt="Pension Rights London 12-2-14.jpg"></span></a><o:p></o:p></p></td><td width=312 valign=top style='width:233.9pt;padding:0cm 0cm 0cm 0cm'><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:14.2pt;margin-bottom:.0001pt;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#773B6A'>LIVERPOOL Wed 26<sup>th</sup> Feb 2014<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:14.2pt;margin-bottom:.0001pt;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#773B6A'>Adelphi Hotel, Liverpool<o:p></o:p></span></p><p style='margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><a href="http://www.ier.org.uk/sites/ier.org.uk/files/FLYER%20Pensions%20Lpool%2026-2-14%20FINAL.pdf"><span style='color:#413839;text-decoration:none'><img border=0 width=230 height=285 id="Picture_x0020_2" src="cid:image006.jpg@01CF12DE.D62E1E20" alt="Pensions Lpool 26-2-14.jpg"></span></a><o:p></o:p></p></td></tr><tr><td width=1047 colspan=3 style='width:785.3pt;padding:7.5pt 7.5pt 7.5pt 7.5pt'><div class=MsoNormal style='mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><hr size=3 width="96%" noshade style='color:#A0A0A0' align=left></span></div></td></tr><tr style='height:766.05pt'><td width=728 colspan=2 valign=top style='width:545.75pt;padding:7.5pt 7.5pt 7.5pt 7.5pt;height:766.05pt'><h2 style='margin-right:20.85pt;text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:12.0pt'>About the Seminar<o:p></o:p></span></h2><p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:20.85pt;mso-margin-bottom-alt:auto;text-align:justify;line-height:14.4pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif";color:#404040'>The issue of pensions affects huge numbers of men and women and is one of the top issues on the agenda of trade unions. The world of pensions is changing fast and now, more than ever, it is vital that trade unionists and others who protect workers’ rights understand the implications of these changes – both for people currently receiving a pension and for all of us who will be affected in years to come.<o:p></o:p></span></p><h2 style='mso-margin-top-alt:0cm;margin-right:20.85pt;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:13.5pt'>Cost</span><span style='font-size:13.5pt;color:#1F497D'><o:p></o:p></span></h2><p style='mso-margin-top-alt:0cm;margin-right:20.85pt;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p><p style='mso-margin-top-alt:0cm;margin-right:20.85pt;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif";color:#404040'>We have a concessionary price for low waged, unemployed, students and others wanting to negotiate multiple delegate bookings. A discount is also available to those who pay upfront (before the date of the conference) either online or by cheque. Those who pay by invoice will pay full price.<o:p></o:p></span></p><p style='margin:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse'><tr><td width=246 valign=top style='width:184.3pt;padding:0cm 0cm 0cm 0cm'><p style='text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>Payment up front</span></b><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p style='text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>£75 Subscribers and members<o:p></o:p></span></p><p style='text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>£90 trade unions<o:p></o:p></span></p><p style='text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>£220 Commercial<o:p></o:p></span></p></td><td width=255 valign=top style='width:191.35pt;padding:0cm 0cm 0cm 0cm'><p style='text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>Payment by invoice</span></b><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p style='text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>£80 Subscribers and members<o:p></o:p></span></p><p style='text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>£100 trade unions<o:p></o:p></span></p><p style='text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>£240 Commercial<o:p></o:p></span></p></td></tr></table><h2 style='margin:0cm;margin-bottom:.0001pt;text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#A07997'><o:p> </o:p></span></h2><h2 style='margin:0cm;margin-bottom:.0001pt;text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#A07997'><o:p> </o:p></span></h2><h2 style='margin:0cm;margin-bottom:.0001pt;text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#A07997'><a href="http://www.ier.org.uk/events/pensions-changes-and-challenges"><span style='color:#A07997'>BOOK LONDON</span></a> - </span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext;font-weight:normal'>go to bottom of website page</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#A07997;font-weight:normal'><o:p></o:p></span></h2><h2 style='margin:0cm;margin-bottom:.0001pt;text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#A07997;font-weight:normal'><o:p> </o:p></span></h2><h2 style='margin:0cm;margin-bottom:.0001pt;text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#A07997'><a href="http://www.ier.org.uk/events/pensions-changes-and-challenges-0"><span style='color:#A07997'>BOOK LIVERPOOL</span></a> – </span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext;font-weight:normal'>go to bottom of website page<o:p></o:p></span></h2><h2 style='margin:0cm;margin-bottom:.0001pt;text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext;font-weight:normal'><o:p> </o:p></span></h2><h2 style='margin:0cm;margin-bottom:.0001pt;text-align:justify;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext;font-weight:normal'>Or download and print the flyer to post with your cheque. See back page of flyer for details</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#A07997'><o:p></o:p></span></h2><p style='margin:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-size:11.5pt;font-family:"Arial","sans-serif";color:#A07997'><o:p> </o:p></span></b></p><p style='margin:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-size:11.5pt;font-family:"Arial","sans-serif";color:#A07997'><o:p> </o:p></span></b></p><p style='margin:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#66667F'>Email <a href="mailto:Carolyns@ier.org.uk"><span style='color:#66667F'>Carolyns@ier.org.uk</span></a> or phone 0151 207 5265 for more information<o:p></o:p></span></b></p></td><td width=312 valign=top style='width:233.9pt;padding:0cm 0cm 0cm 0cm;height:766.05pt'><h2 style='margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:12.0pt'>Speakers Include</span><span style='font-size:12.0pt;color:#1F497D'><o:p></o:p></span></h2><p style='mso-margin-top-alt:5.0pt;margin-right:34.0pt;margin-bottom:5.0pt;margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>Neil Duncan-Jordan, National Pensioners Convention<br><i>The single-tier state pension</i><o:p></o:p></span></p><p style='mso-margin-top-alt:5.0pt;margin-right:34.0pt;margin-bottom:5.0pt;margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>Michael Ford QC, Old Square Chambers<br><i>The Beckmann Judgement: protecting income benefits after redundancy</i><o:p></o:p></span></p><p style='mso-margin-top-alt:5.0pt;margin-right:34.0pt;margin-bottom:5.0pt;margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>Bryn Davies, Director, Union Pension Services<br><i>Pensions overview: where are we now?</i><o:p></o:p></span></p><p style='mso-margin-top-alt:5.0pt;margin-right:34.0pt;margin-bottom:5.0pt;margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>Craig Berry, University of Sheffield<br><i>Third Time Lucky: building a progressive pensions consensus</i><o:p></o:p></span></p><p style='mso-margin-top-alt:5.0pt;margin-right:34.0pt;margin-bottom:5.0pt;margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>Christine Haswell, <span class=caps>PCS</span><br><i>Developments in public sector pensions: new ‘Fair Deal’ arrangements</i><o:p></o:p></span></p><p style='mso-margin-top-alt:5.0pt;margin-right:34.0pt;margin-bottom:5.0pt;margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>Glyn Jenkins, <span class=caps>UNISON</span><br><i>If public service pensions survive, can they halt the decline for everyone else?<o:p></o:p></i></span></p><p style='mso-margin-top-alt:5.0pt;margin-right:34.0pt;margin-bottom:5.0pt;margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>Andrew Morris, Head of Pensions, NUT<br><i>Teachers' pensions: a perspective from the NUT</i><o:p></o:p></span></p><p style='mso-margin-top-alt:5.0pt;margin-right:34.0pt;margin-bottom:5.0pt;margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.5pt;font-family:"Arial","sans-serif"'>Ben Cooper, Old Square Chambers<br><i>Age Discrimination</i><o:p></o:p></span></p><p style='margin-left:14.2pt;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:12.0pt'><o:p> </o:p></span></p></td></tr></table><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p></div></body></html>