The upheavals of adolescence silenced 'A Christmas Carol' for a few years. I became a firebrand atheist. Christmas - humbug! Too commercial! Then I became an agnostic. Christmas was a pro-forma affair basically a chore. Buy mother a book dad a new tie my brother and sister small gifts. Pretend thanks for the fountain pens and shirts I received.

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A generous basic state pension is the least a civilized society should offer those who have worked hard and saved through their whole lives.