OK I'll admit it I have no idea whet everyones complaining about. I've been working for county since 2005 and have been paying into my pension scheme dutifully. I'll further admit that I don't know what what I was going to get paid, everyone told me it was worth getting so I checked the box. I've never been in a pension scheme before and never read any stuff. Whats changed so much to peeve everyone off? How does it affect me?