Cadbury takes its Secret Santa ritual on tour

Cadbury is bringing its Christmas ritual, Secret Santa, back into the real-world. Fans will be able to visit a Cadbury Postal Service and send that special someone a bar of chocolate, in secret and for free. On the day, Secret Santas can choose from a selection of Cadbury chocolate bars …

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What does the future hold for collective DC schemes?

News that the pension triple lock guarantee has been compromised caused consternation among a sizeable proportion of the UK’s older population. The promise extended to retirees a decade ago was simple enough: the state pension will increase annually by either the inflation rate, average earnings or 2.5%, whichever is the …

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