It is rare that I agree or compliment the Financial Services Authority (FSA). I am not going to compliment the FSA but I will agree with a change they are making the pension and investment industry. The low medium and optimistic assumed growth have over the last few years not proven to be correct. I do not see this as a temporary blip, and I am concerned that the sluggish economy and therefore the return on investment will be lower than in previous decades. Most reasonable people have cause to complain if their expectations are not met.