Returns are only allowed for up to 7 days after purchase. 6 months after the self-published version of Beautiful Disaster went off-sale my account was still seeing negative amounts for returns.

FORBES: The Mystery of the Amazon Refund Email

With the closure of the existing scheme to new joiners, new recruits will be offered a money-purchase version instead, in which the eventual pension will be directly related to its long term investment returns rather than their final salary at retirement.

BBC: Pension change for Royal Opera